Dear Sarin ji,
Thank you for reaching out. Here's the information on insurance and payment options available at Omega Hospital for heart surgery:
Private Health Insurance
Most major insurers (like Star, HDFC Ergo, Apollo, etc.) are accepted.
Cover typically includes surgery, ICU, and post-op care—check your plan for pre-authorisation requirements.
Ayushman Bharat (PMJAY)
Omega is included in the Ayushman Bharat network.
Steps:
Visit the portal: https://hospitals.pmjay.gov.in/Search/
Select Kerala → Kannur → Cardiology specialty → Search
Verify Omega Hospital in the results
Covers heart surgery as per the defined package; you’ll need your Ayushman card and PPO number.
Third-Party Financing
EMI plans or medical loans available through partner banks—easy monthly payment options for surgery cost not covered by insurance.
Confirm insurance eligibility: share your policy details with Omega’s insurance team.
If enrolled in Ayushman Bharat, share your PPO number at hospital admission.
Ask Omega Hospital for a cost estimate including surgery, ICU, and post-op expenses.
If there’s any shortfall, you can opt for EMI or loan facility.