(Incl 18% GST)
Motor
Health
Our WhatsApp number is a chat only number. One stop solution for all your queries!
More Products
Motor
Health
Support
closeOur WhatsApp number is a chat only number. One stop solution for all your queries!
(Incl 18% GST)
{{abs.isPartnerAvailable ? 'We require some time to check & resolve the issue. If customers policy is expiring soon, please proceed with other insurers to issue the policy.' : 'We require some time to check & resolve the issue.'}}
We wouldn't want to lose a customer but in case your policy is expiring soon, please consider exploring other insurers.
Please wait a moment....
Terms and conditions
Terms and conditions
Daycare treatments refer to those medical treatments and procedures that need hospitalization, but not for more than 24-hours as to medical advancements and technology, the treatment processes are now a lot 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 below 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.
Back in the day, health insurance policies only covered treatment and hospitalizations that went beyond 24-hours. However, thanks to medical advancements and technology, many treatments today can be done in much lesser time than before.
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.
|
Daycare Procedures |
OPD |
What does it mean? |
Daycare procedures refer to treatments requiring hospitalization, but only below 24-hours due to medical advancements. |
OPD translates to Out Patient Department and refers to your day to day doctor consultations or smaller treatments like minor stitches and fractures. |
Hospitalization |
Hospitalization required, < 24 hours |
No hospitalization required |
Examples |
Examples of daycare procedures include chemosurgery to skin, skin transplantation & restoration, ligament tear, cataract operation, corneal incision, radiotherapy and chemotherapy among many others. |
Examples of OPD include regular doctor consultations for any illness or disease, such as for a seasonal flu, minor dressing due to an injury, regular health checkups and consultations among others. |
What’s covered? |
In a health insurance, daycare procedures are usually covered up to the total Sum Insured. This includes all pre and post hospitalization expenses towards the daycare treatment being claimed for. |
OPD benefits or OPD covers in a health insurance are usually limited up to a specific amount and differs from insurer to insurer. For example, many health insurers offer OPD, up to Rs 5,000 per year. |
Daycare procedures go beyond just the operation or surgery. Daycare treatments usually involve many expenses such as that for diagnostics, medications, hospital admission, vitals, injections and post-hospitalization expenses as well.
Therefore, when you put these together; the total bill towards a specific treatment can be really high and this is where your health insurance comes in use, as it financially covers you for your treatment.
Fortunately, no! Daycare procedures are already included in your health insurance. You need not buy a separate add-on for the same.
Fortunately, no! Daycare procedures are already included in your health insurance. You need not buy a separate add-on for the same.
No, there are no specific daycare treatments prescribed for the COVID-19.
No, there are no specific daycare treatments prescribed for the COVID-19.
The list of daycare procedures covered in a health insurance varies from insurer to insurer. However, most health insurers cover up to 100 different daycare treatments!
The list of daycare procedures covered in a health insurance varies from insurer to insurer. However, most health insurers cover up to 100 different daycare treatments!
With Digit’s health insurance covering daycare treatments, daycare treatments will be covered up to your total sum insured.
With Digit’s health insurance covering daycare treatments, daycare treatments will be covered up to your total sum insured.
Yes, daycare procedures are covered for seniors as well.
Yes, daycare procedures are covered for seniors as well.
Please try one more time!
More articles related to Health Insurance
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.
Get 10+ Exclusive Features only on Digit App
closeAuthor: Team Digit
Last updated: 02-07-2024
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.