To get cover for a surgery you can opt for a surgical protection plan instead of a general basic cover. A general policy may deny your claim for the same surgery on various counts but with a surgery centric policy you get paid a FIXED AMOUNT for each surgery DEPENDING on the surgery grade. HEALTH insurance companies list surgeries on a rating scale depending on the complexities INVOLVED. So depending on the grade or rank of the surgery involved the policy will pay you a fixed stipulated amount irrespective of your hospital bill.

To get cover for a surgery you can opt for a surgical protection plan instead of a general basic cover. A general policy may deny your claim for the same surgery on various counts but with a surgery centric policy you get paid a fixed amount for each surgery depending on the surgery grade. Health insurance companies list surgeries on a rating scale depending on the complexities involved. So depending on the grade or rank of the surgery involved the policy will pay you a fixed stipulated amount irrespective of your hospital bill.