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Dear Sarin ji, Thank you for reaching out. Here's the information on insurance and payment options available at Omega Hospital for heart surgery: Insurance & Financing Options at Omega Hospital 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. What You Should Do Next 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....