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Who loves to stay in the hospital when you can get discharged in just 24 hours with the help of highly advanced treatments? Day care procedures make it possible!
From minor surgeries to chemotherapy and even eye surgeries, these treatments ensure that you receive top-notch medical care without the hassle of a long hospital stay.
With health insurance plans now covering a wide range of daycare treatments, you can focus on a speedy recovery without worrying about the costs. Read this article to know what day care treatments are covered by health insurance.
Daycare treatments in health insurance refer to medical treatments and procedures that require hospitalization, but not for more than 24 hours. These treatments are possible only because of medical advancements and technology which makes the treatment processes are now much shorter!
Popular examples of daycare treatments include cataract surgeries, nasal sinus aspiration, cancer chemotherapy, cancer radiotherapy, etc.
Digit Simplification: Why stay in a hospital unnecessarily when the required procedure takes just a day?
Note: The important thing to keep in mind about daycare procedures is that, not all short-term treatments are considered as daycare procedures. Hence, the same shouldn’t be confused with OPD consultations.
Daycare treatment strictly refer to treatments, surgeries and operations, that require hospitalization for less than 24 hours due to advancement in medical technologies and procedures.
Whereas hospitalizations of over 24-hours are covered under “hospitalization expenses” in your health insurance, and OPD consultations required for smaller medical concerns like fractures, sprains and other doctor consultations are covered under OPD benefit or OPD cover, as specified by your health insurance policy.
Yes, day care procedures are often covered under health insurance as they provide financial relief in case of emergency.
These include treatments like cataract surgeries, chemotherapy, radiation therapy, dialysis, hymenectomy, and arthroscopic knee aspirations among many other procedures.
Given the fact that many such treatments can be done under 24-hours and are not only needed by many patients but also include high healthcare expenditure, the IRDAI (Insurance Regulatory & Development Authority of India) introduced the same in health insurance policies.
Thank God for that! Thereby, daycare procedures refer to such treatments that require hospitalization of less than 24-hours due to medical advancements.
A good example of the same would be, when someone has to be admitted into the hospital for a cataract surgery, post which he/she will also receive care at the hospital and then be discharged within the same day itself.
From eye surgeries to chemotherapy, the day care treatment list never ends. Here is a precise list of diseases that are treated in a day and covered under a daycare treatment in a health insurance policy.
Root canal surgery |
Cataract surgery |
Kidney dialysis |
Tonsillectomy |
Angiography |
Radiotherapy |
Adenoidectomy |
Septoplasty |
Chemotherapy |
Arthroscopy for joints |
Minor skin surgeries |
Piles surgery |
Immunotherapy |
Oral chemotherapy |
Stem cell therapy |
Bronchial Thermoplasty |
Disclaimer: The above list of daycare treatments is for representation purposes only. Please refer to your specific policy document to understand the treatments covered by your insurer, as the list may vary based on your health insurance plan.
So far, we know that Day care treatment only includes the treatment that are done within 24 hours. However, not all treatment are included. It is essential to review your policy for a complete understanding of what is covered and excluded under the day care procedure in your health insurance.
If you have a health insurance plan, you can rest assured that your insurer will cover your day care procedures. However, there are some important things you must know about day care procedure in health insurance:
List of Network Hospitals: Review the list of network hospitals your insurer provides. Shortlist the nearby hospitals, making it easier to access cashless claim facilities when needed.
Daycare procedures go beyond just the operation or surgery. Daycare treatments usually involve many expenses, such as diagnostics, medications, hospital admission, vitals, injections, and post-hospitalization expenses. Here are some benefits of day care hospitalisation procedures in health insurance:
Many of you might get confused between a daycare procedure and outpatient department treatment, but they are a Day Care treatment is widely different from a day:
Claiming a daycare procedure is almost similar to making a claim for an inpatient treatment. The claim process depends on the hospital you choose. If you have opted for a network hospital, you can go for a cashless claim and if you have selected a non-network hospital, you can make a claim through a reimbursement claim process.
Step 1: Notify your insurer and select a network hospital for your day care surgery before your hospitalization.
Step 2: Show your e-health card at the network hospital helpdesk and ask for the pre-approval.
Step 3: Fill out and sign the form and submit it to the helpdesk.
Step 4: After verification, the insurance company will take care of your day care treatment.
Step 1: If you select a non-network hospital and undergo a daycare procedure, keep all the medical bills, reports, and other essential expense documents with you.
Step 2: After treatment, contact your insurer and provide them with all the soft copies of the documents and bank account details for reimbursement of expenses.
Step 3: The insurer will verify the documents, and you will receive a reimbursement for the daycare procedure expenses.
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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.
Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
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