Which type of insurance is designed to cover the surgeon's fees for an operation?

Surgical expense insurance is specifically tailored to cover the costs associated with surgical procedures, which includes the surgeon's fees for operations. This type of insurance focuses on expenses directly related to surgeries, ensuring that patients can access necessary surgical care without the burden of excessive out-of-pocket costs.

In contrast, hospital expense insurance primarily covers costs incurred while receiving care in a hospital setting, such as room charges, nursing services, and other expenses related to inpatient care, but does not typically include the fees for the surgeon. Major medical expense insurance provides broader coverage, often encompassing a wide range of medical expenses including surgeries, hospitalization, and outpatient services, but it can also include deductibles and co-pays that are not covered under surgical expense insurance. Comprehensive major medical insurance combines features of major medical with additional benefits but is still not as directly focused on covering surgeon fees as surgical expense insurance is.

Thus, surgical expense insurance is the most appropriate choice for covering the surgeon's fees for an operation, clearly defining its purpose and importance in personal finance when considering healthcare options.