Surgical Expense Insurance

What Does Surgical Expense Insurance Mean?

Surgical expense insurance is a type of policy that helps cover medical costs related to surgeries. It outlines specific amounts available for various surgical procedures. A comprehensive health insurance policy typically includes coverage for surgical expenses.

Insuranceopedia Explains Surgical Expense Insurance

Health insurance plans offer a wide range of coverage for various medical and hospital-related expenses. Some policies provide coverage for specific illnesses, such as cancer, while others offer more comprehensive protection for individuals, families, or groups against a variety of medical contingencies. These comprehensive health insurance policies often cover:

• Hospital-related expenses, including room charges, operating room fees, and laboratory services.
• Surgical expenses, which cover surgery costs up to a predetermined limit.
• Regular medical expenses, covering physician fees for non-surgical treatments.
• Major medical expenses, where insurers cover costs that exceed the policyholder’s deductible.
• Comprehensive medical expenses, which combine coverage for hospital, surgical, and major medical expenses in a single contract.
• Dental expenses, providing allowances for each dental procedure up to a defined limit.
• Specific health hazards, such as cancer, vision-related issues, polio, and other conditions.