What Is Surgery Insurance?

Whether you are a patient or a practitioner, surgery insurance can protect your health and financial stability from unexpected events during surgery. Even though most insurance plans cover a portion of surgical costs that are deemed necessary (surgery to save your life, improve your health, or prevent diseases and illnesses), surgery may also include uncovered parts that you would want to cover: pre-operative tests, co-surgeons, assistants, biological support (blood, plasma, etc.), anesthesia, recovery room, hospital stay, etc.

What Does Surgery Insurance Cover?

A particular surgery insurance coverage plan may include one to all of the services associated with surgery. At the same time, many of the surgical expenses may be covered by your current health insurance plan, which you have to check in the first place.

As a practitioner or business owner (a chiropractor, osteopath, physiotherapist, doctor, dentist, or psychiatrist) you might be interested in surgery insurance to protect yourself and your personnel against claims and other risks associated with the surgical practice. Surgery insurance may include public liability insurance, employers’ liability insurance, building and contents cover, surgery specialist equipment cover, commercial legal protection, and more.

How Much Is Surgery Insurance?

It is impossible to estimate the range of prices for surgery insurance coverage since it depends on too many factors. However, it is clear that when choosing your surgery insurance plan, you have to

  1. Make sure you don’t have the coverage you are going to get (again, some of the services you want to get may already be covered by your current health insurance plan).
  2. Make sure you are aware of the maximum coverage and the amount of deductible (the amount you pay on your own before your insurance plan kicks in).