Common Day Care Treatment Covered in Health Insurance

There is a common belief that health insurance companies offer coverage only for diseases which require 24 hours of hospitalisation or surgeries and treatments that are extensive. 

But, this does not hold. 

Health insurance companies offer coverage for daycare procedures too i.e. the treatment which does not require 24-hour hospitalisation. 

Let’s get an insight into daycare procedures in health insurance plans.

What are Daycare Procedures?

Daycare procedures are those treatments that require hospitalisation for less than 24 hours. These treatments are done for specific procedures as stated in the policy document and are done under the influence of local anesthesia in a hospital or a daycare center. 

Common daycare procedures that most health insurance plans provide coverage for are listed below: 

1. Angiography
2. Cataract 
3. Chemotherapy
4. Dialysis
5. Radiotherapy
6. Septoplasty
7. Prostate
8. Sinusitis
9. Liver aspiration
10. Colonoscopy
11. Appendectomy
12. Hydrocele
13. Piles/Fistula
14. Lithotripsy 
15. Sclerotherapy

These are among the most common daycare procedures covered under most health insurance plans. However, the actual list may be much longer. 

For instance, TATA AIG offers cover for as many as 541 daycare procedures for all Medicare variants. 

You may also like to read about domiciliary hospitalization in health insurance

Similarly, health insurance policies of other insurers provide daycare procedures.

Insurance Companies Providing Day Care Procedures

Let us look at 6 health insurance plans and the number of daycare procedures they offer:

Benefits of Daycare Procedures Covered under Health Insurance Plans

You can enjoy the following benefits if you buy health insurance plans with daycare procedures covered:

• Peace of Mind:

Hospitalisation causes stress even if it is for a single day. And the huge treatment cost may add up to the misery. But knowing that you now have a  health insurance plan that will take care of all your treatment costs, including the expenses incurred on daycare treatment, reduces your tension to a great extent.  

• Cashless Treatment:

In case you are aware in advance of a daycare procedure that you or your family member will be undergoing, then you can avail the benefit of cashless treatment after consulting with your health insurance company.  

• Tax Saving Benefit:

On purchasing health insurance plans that offer coverage for daycare procedures, you get the added benefit of tax savings. These plans allow you to enjoy income tax benefits on the premium paid for the plans under section 80D of the Income Tax Act, 1961.

• Quality Treatment:

With a health insurance plan, you can enjoy the treatment for daycare procedures in any network hospital. These network hospitals provide you with the best medical care for you and your family even if the hospitalisation is for a brief period. 

How to opt for the Best Day Care Health Insurance Policy?

Many health insurance providers to attract customers, underline the number of daycare processes offered under their health insurance plans. Thus, many new health insurance buyers wrongly opt for health coverage offering maximum daycare procedures.

However, while purchasing a health insurance plan, the number of daycare procedures offered should not be the only criteria to consider before making any investment. Other factors that can play a significant role in buying a health insurance plan are sub-limits, age limits, cashless facilities, co-pays, etc. To get the best health insurance plan for yourself based on your requirements and budget, you can even take the advice of an expert or do thorough research on the same.

Recommendation

Before finalising a health insurance plan with daycare procedures cover, don’t simply focus on the number of daycare procedures covered, but also emphasize the definition of these procedures under the scope of coverage. 

Also, consider other factors while selecting health insurance like: 

• Type of policy
• Coverage amount
• Number of members to be included
• Policy term
• Co-payment, etc. 

In case of any doubt or for the best opinion on health insurance plans, talk to our experts on the toll-free number 1800-1205-698. Make a smart move by getting a relevant insurance product with daycare treatment coverage today!

Also, Read 

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How Age Affects Your Health Insurance Premium Cost