Day Care Procedure

Most of the health insurance companies offer coverage for day care procedures. However, it is necessary to the insured to check the company's policies to understand the type of procedures covered by a policy.

Purchasing health insurance policies demands a clear understanding of various terminologies that includes specific features, such as the premium payable, process of claim settlement, daycare treatment coverage, OPD treatment coverage, sum insured, and many more. These features help you decide the type of policy you should invest in. One such technical aspect of health insurance policies is daycare treatment coverage. Here are more details about daycare treatment and its differences from OPD treatment.

Health insurance policies are slowly becoming the norm, with a number of Indians buying these policies to offset the high costs of healthcare. While most health insurance policies cover major surgeries and hospital stays, there are also shorter, day care procedures that can be claimed under your health insurance policy.

What is a Day Care Procedure?

Daycare treatments encompass medical procedures and treatments that necessitate hospitalisation but for a duration of less than 24 hours. Thanks to advancements in medical technology, treatment processes have become significantly shorter.

Examples of common daycare treatments include cataract surgeries, nasal sinus aspiration, cancer chemotherapy, and cancer radiotherapy, among others. Hence, it's important not to confuse OPD consultations related to sprains, fractures, and other minor procedures as daycare treatments. Health insurance plans have become essential as healthcare costs continue to rise. While most insurance providers cover extended hospital stays and major treatments or surgeries, there are many procedures that do not require prolonged hospitalisation but can still strain patients' finances.

Fortunately, many health insurance policies now offer coverage for daycare treatment procedures requiring less than 24 hours of hospitalisation. However, it's important to note that not all insurance companies cover all types of daycare procedures. Therefore, it is advisable to thoroughly check the coverage for daycare treatments before purchasing a policy.