Surgical Expense Insurance

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.