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Many of us would avoid going to a Govt hospital and prefer a Privately owned hospital mainly for better care and facilities. But then, these come with a cost. Minor surgery in a hospital will cost at least Rs 20,000/- and major ones like heart Bypass, Knee replacement, etc., cost Rupees.It is essential to buy a Mediclaim Policy to take care of such expenses and protect one's Capital.In the general insurance domain, public and private sector companies, including standalone Health Insurance companies, provide this product.A minimum of 24 hrs hospitalization (admitted to the hospital ) is required to trigger a claim under the Policy.