Surgical Expense Insurance

Published: | Updated: October 8, 2017

Definition - What does Surgical Expense Insurance mean?

Surgical expense insurance is a type of insurance policy that helps cover medical fees involving operations. It specifies specific amounts available for certain surgical procedures. A good health insurance policy would cover surgical expenses.

Insuranceopedia explains Surgical Expense Insurance

Health insurance plans offer a wide range of protection against various medical and hospital-related expenses. For instance, certain policies provide cover for the treatment of specific illnesses, such as cancer. Similarly, more comprehensive ones insure individuals, families, or groups of people against a host of medical contingencies. In many cases, these comprehensive health insurance policies provide coverage for:

  • Hospital-related expenses, such as room benefits, operating room expenses, laboratory services, etc.
  • Surgical expenses that cover the costs of surgery up to a pre-determined limit
  • Regular medical expenses that cover physicians’ fees in cases that do not involve surgery
  • Major medical expenses where insurers provide cover for expenses that exceed the policyholder’s deductible limits
  • Comprehensive medical expenses that cover hospital, surgical and major medical expenses in one contract
  • Dental expenses that prescribe allowances for each dental procedure up to a pre-defined limit
  • Specific health hazards, such as cancer, vision-related problems, polio, etc.

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