List of Day Care treatment and procedures covered under Health Insurance

The Top Day Care Procedures Covered by Health Insurance 

Day Care treatment means medical treatment and/or surgical procedure, which is:

Undertaken under general or local anaesthesia in a hospital/day care centre in less than 24 hours because of technological advancement, which would have otherwise required hospitalisation of more than 24 hours.

Treatment normally taken on an outpatient basis is not included in the scope of this definition.

Some day care treatments include cataract surgeries, nasal sinus aspiration, cancer chemotherapy, cancer radiotherapy, dialysis, tonsillectomy, etc.

Also Read: Section 80D Deductions

What is day care treatment in health insurance?

Daycare treatment refers to medical procedures that can be finished within 24 hours and do not require an overnight hospital stay. The health insurance provider will pay the policyholder's medical expenses either through cashless treatment or reimbursement.

Day care treatment includes several medical procedures, such as:

• Cataract surgery
• Minor surgeries
• Chemotherapy and dialysis
• Infusion therapies
• Radiotherapy
• Diagnostic tests

Coverage of Day Care procedures in the Health Insurance company

In health insurance, daycare procedures are usually covered up to the total sum insured. Additionally, it includes all pre- and post-hospitalisation expenses for the day care treatment being claimed.

Benefits of Day Care Procedure in Health Insurance

There were times when cataract removal would require a patient to get admitted to the hospital for a few days. Recently, with day care procedures, a patient can undergo surgery within hours, return home the same day, and recover faster.

Day care treatments usually involve many expenses such as diagnostics, medications, hospital admission, vitals, injections, post-care essentials, etc. Therefore, altogether, the total bill for a specific treatment can be really hefty, and this is where your health insurance can aid you, as it financially covers your treatment expenses.

Under a daycare procedure, the insurance company can bear the medical expenses up to the specific limits mentioned in the policy. While buying the policy, you need to have a detailed look at the policy documents to know the list of specified daycare procedures covered in the plans.

In addition to this, day care treatments also offer numerous other advantages, such as:

1. Cashless treatment: Since daycare treatments are usually planned in advance, the health insurance policyholder can get access to cashless hospitalisation at any empanelled hospital. Therefore, the patient needs to inform the insurer or agent in advance.  
2. Extensive Treatment Coverage: Not all, but some health insurance plans include a wide range of day care procedures. It provides comprehensive protection for various medical treatments that do not require a long hospital stay.
3. Convenience: The day care treatment feature ensures that the patient gets the required medical treatment at the earliest, at top-notch hospitals, without long hospital stays. This feature permits the policyholders to concentrate on their treatment and recovery rather than worrying about the medical bills.
4. Flexibility in claims: The patient has a choice to either opt for a cashless or reimbursement claim.

Things to Consider When Opting for Day Care Treatments Cover

Before choosing a plan, it is very important to consider the following factors:

1. Type of policy: Whether an individual or family health insurance policy, select the one that goes well with your healthcare requirements and budget. Ensure the plan provides comprehensive coverage, including day care procedures.
2. Network hospitals: Review the list of network hospitals associated with the insurer and find the hospitals nearest to your location to secure prompt medical attention.
3. Sum insured: With medical inflation, daycare treatments can be expensive. Choose a sum insured that is sufficient to meet your current and future healthcare needs.
4. Exclusions: Carefully go through the policy documents to better understand what treatments or situations are not covered in your health insurance policy.

List of Day Care procedures covered in Health Insurance

Here is the list of day care procedures commonly covered by most health insurance plans.

Common Conditions or Diseases Treated Under Day Care Procedures 

• Cataract
• Sinusitis
• Hydrocele
• Piles/Fistula
• Prostate disorders

Star Health Insurance has a varied range of Health Insurance plans that cover the expenses for all the daycare procedures up to the limits mentioned in the policy. For more details, refer to the policy clauses.

Also Read: Health Insurance Premium Calculator Online

Conclusion

Day care treatment or procedure includes all medical treatments that previously required multiple days of hospitalisation. But now, because of technological advancements in healthcare, these procedures take much less time. Choose a health insurance plan that includes maximum daycare procedures.