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Why Buy Surgical Care Rider?

Updated On Dec 17, 2021

The vast majority of people are familiar with the notion of health insurance. Its mission is to safeguard insurers by offering a wide range of medical coverage options. There are a variety of plans available, each offered by a different insurance provider. Basic policies, on the other hand, may not always meet all of your insurance coverage requirements. This might include things like the amount of coverage, the benefits provided, the time duration, and so on.

In this case, insurance riders show to be really beneficial. These are adjustments to the coverage parameters of a general health insurance plan. This is related to altering an existing insurance to meet the insurer's requirements. One of the most popular healthcare riders among individuals is the Surgical Care Rider. To find more info on Surgical Rider, read on.

What Is A Surgical Care Rider?

Surgical Rider Insurance offers an extra insurance coverage to reimburse hospital costs if a health or accident insured individual is hospitalized. The reimbursement covers hospitalisation, physician counselling, research and clinical trials, ambulance, dialysis, cancer, and psychotherapy outpatients. Adding a Surgical Rider to your life insurance policy can provide you with a streamlined and financially safe backup in the event of a medical emergency, as well as financial assistance.

Key Components Of Surgical Care Rider

The primary key components of a Surgical Care Rider are as follows -

  1. It's a completely unobtrusive cover.
  2. It is only available at the time of strategy publication.
  3. It is available at a modest additional premium fee.
  4. The shortest age gap is 18 years, while the longest is 65 years.

Benefits Of Buying A Surgical Care Rider

A Surgical Rider is one of the most popular medical riders since it provides medical aid and coverage in the event of an emergency. Following are some of the benefits of buying a surgical rider -

  1. By producing his insurance card at the hospital's reception, the insured individual can obtain an instant cashless hospital at any of his medical insurance or life cover policy's partner hospitals.
  2. In the Hospital Room service, the rider covers a maximum of INR 300,000 each day. This includes all of the fees for that particular day.
  3. The Surgical Care Rider covers the costs of physicians, nurses, and other medical services.
  4. Under the Surgical Care rider, the insurance company ensures that the patient is treated with the greatest health care facilities available.
  5. The Surgical Care Rider also covers the costs of dialysis, cancer chemo treatment, and physiotherapy sessions.
  6. Aside from surgical procedures, the rider's services also include pre-stage and post-stage consultations.
  7. This rider can be added to a life insurance policy by insureds aged 6 months to 60 years.
  8. Protection and rider benefits for riders up to the age of 88 will be offered to the covered individual.
  9. This rider also provides emergency transportation for insured patients. It may, for example, pay a portion of your costs if you need to be evacuated or transferred to another hospital.
  10. The ability to customize the amount of daily hospitalisation benefit for an individual based on the hospital's estimated costs.


The world is rapidly changing, and no one can predict what will occur in the next few moments. You might be OK one minute and then be involved in an accident that leaves you gravely injured and need emergency hospitalisation and long-term care the next. Even while we would never wish such misery on anybody, due to the unpredictable nature of these events, one must always be prepared for the worse. Adding a Surgical Rider to your policy will offer you with a streamlined and financially secure backup in times of need.

Also read: 

How Riders Help You Support Your Life Insurance Policy?

How Can Term Rider Be Beneficial?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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