List of Day Care treatment and procedures covered under Health Insurance
Day care treatment meaning points to medical procedures or surgeries that need hospitalisation but can be completed within 24 hours, permitting patients to be discharged on the same day. The day care treatment examples include dialysis, chemotherapy, etc. In health insurance, day care procedures meaning points to the medical treatments or surgeries that need hospitalisation but can be completed before 24 hours, permitting patients to be admitted, treated, and discharged on the same day. Day care procedures examples include cataract surgery, tonsillectomy, etc.
Both the day care procedure and day care treatment are the same. Know the day care treatments names before you buy health insurance covering day care.
Day Care treatment and procedures below Health Insurance are covered, as they allow policyholders to get treatment without extended hospitalisations. The inclusion of such day care policies and procedures in health insurance brings many advantages such as peace of mind, tax savings, cashless services, and get access to high-quality medical care. In India, most health insurance companies offer coverage for day care treatments. However, the extent of insurance coverage can vary between insurers as some may cover a broad range of day care procedures, while others might only cover specific ones.
Day care health policy offers coverage for the Day care procedure in insurance. Analyze the day care treatment lists to get the day care treatment coverages.
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:
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
| Day Care procedures for ear ailments | Stapedectomy, Stapedotomy, Tympanoplasty, Reconstruction of the middle ear, Operations of the auditory ossicles, Other operations on the inner ear, Incision of the inner ear, Operations on the middle ear |
| Day Care procedures for eyes | Tear duct operations, Removal of foreign body, Cataract operation, Corneal incision, eyelid incision. Corrective surgery |
| Day Care procedures for the nose and sinus | Nasal sinus aspiration, Foreign body removal, Operation on the nasal concha, Other operations on the nose |
| Day Care procedures for bones | Dislocation surgery, Ligament tear and meniscus tear surgery, Fractures and sutures on tendons, Orthopaedics and trauma surgery, Other joint and bone surgery |
| Day Care procedures for the tongue | Glossectomy, Reconstruction of the tongue, Other operations on the tongue |
| Day Care procedures for Skin and subcutaneous tissue | Chemosurgery to skin, Skin transplantation and restoration, Excision of diseased skin and subcutaneous tissues, Incisions to skin and subcutaneous tissue |
| Day Care procedures for face | Incisions to the mouth, jaw, and face, Plastic surgery on the mouth, Other operations on the mouth and face |
| Other surgical procedures/treatment | Radiotherapy for cancer, Haemodialysis, Lithotripsy, Chemotherapy, Coronary angiography |
Common Conditions or Diseases Treated Under Day Care Procedures
- Cataract
- Sinusitis
- Hydrocele
- Piles/Fistula
- Prostate disorders
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.
Reader Information: The Section 80D tax benefits discussed are applicable only under the old tax regime, subject to prevailing tax laws and regulations.
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A day care treatment procedure will have medical operations, treatments and surgeries that need less than 24-hour hospitalisation. There is not a list of 140 day care procedures; there may be more than 140 day care procedures.
IRDAI has given the list of day care procedures under the health insurance policies. The following are the day care procedures included in the list :
- Cancer chemotherapy
- Liver biopsy
- Cataract surgery
- Coronary angiography
- Haemodialysis
- Nasal sinus aspiration
- Septoplasty
- Tonsillectomy
- Foreign body removal
- Myringotomy with Grommet Insertion
There are many day care procedures covered under Star health, but some are excluded.
In Health Insurance, let's understand broadly day care treatment meaning. In the medical field, the day care treatment meaning refers to the medical procedure or surgery that needs a hospital stay of less than 24 hours. The health insurance for day care treatment is coverage that covers medical procedures and surgeries that don't need an overnight hospital stay, meaning they are completed and discharged within a 24-hour time period.
A day care treatment list includes the medical surgeries and procedures that need less than 24 hours of hospitalisation, becoming possible because of the advancements in medical technology.
You need health insurance for day care procedures to safeguard yourself financially from the often hefty costs of modern medical treatments, which could be substantial even without a long hospital stay.
You can find medical coverage for specific treatments by checking the detailed benefits section of each health insurance plan. Look for treatment-wise inclusions, exclusions, and sub-limits in the policy document. You can also use insurance comparison platforms where you can filter plans based on the treatment you need, such as maternity care, OPD, mental health, or critical illness coverage. When in doubt, contact the insurer’s customer support for confirmation.
Day‑care procedures are treatments that do not require a 24‑hour hospital stay, like cataract surgery. For e.g. Cataract surgery or chemotherapy where you are admitted and discharged on the same day is considered a day‑care procedure and covered if listed in the policy.
The best way is to check your policy document or raise a request through the STAR Health App, and our team will guide you clearly.
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The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
