What Are Daycare Treatments in Health Insurance?

What Are Daycare Treatments in Health Insurance?

When we talk about health insurance, we do not consider facilities such as daycare treatments that come along with an insurance plan. These added facilities to your insurance policy often provide you with the necessary medical treatments for your ailment that can be treated in a day’s time.

We are familiar with insurance claims being cleared only if the insured is hospitalized for a prolonged duration. But with technological advancement, many medical facilities do not require hospitalization in particular. They are simple walk-in procedures wherein the patient is fit to return home on the same day. These are called daycare treatments.

Let us have a look at how daycare procedures can come in handy with the help of an example.

Mr. Soham has been struggling with poor eyesight for a prolonged duration. On a visit to the doctor, he is advised to get treated for cataract. Since he does not require hospitalization, he is worried whether his insurance will cover it or not. His financial advisor informs him that his health insurance does cover cataract operations as a daycare treatment. This helps Mr. Soham relax and prepare for his surgery without having to worry about the finances.

What Is A Daycare Procedure?

Daycare procedures or treatments are medical procedures and / or surgical procedures that is provided under a day’s time to the patient. With the increase in medical facilities, there are many treatments that do not require hospitalization. A point to note is that treatments taken on outpatient basis are not covered under daycare procedures.

Where Can One Avail Daycare Treatment?

Daycare treatment can be undertaken at a hospital or specially designed daycare centres. Such centres facilitate treatment that otherwise would require the patient to get hospitalized. Most policies provide for certain conditions that are necessary to avail daycare treatment in health insurance, which are as follows:

• Qualified nursing staff
• Qualified medical practitioner
• Proper medical facilities where surgeries can be carried out

What Are The Common Daycare Treatments In Health Insurance

From the plethora of daycare services, some commonly included ones are as follows:

• Ligament surgery
• Cataract operation
• Corneal incision
• Operation on the tear duct
• Operation on the nasal concha
• Ear reconstruction
• Tongue reconstruction and glossectomy operation, etc.

You can refer to your policy documents for detailed information.

What Is Daycare Treatment In Health Insurance?

Daycare treatments are medical procedures that do not require more than twenty-four hours of treatment.

What Is Not Covered Under Daycare Treatment List?

Outpatient department (OPD) treatments are not covered under daycare treatment.

Not all medical treatments require you to get admitted to a medical facility, so it becomes necessary to avail a health insurance policy that covers daycare services. Make sure you select a good plan that fits you and your family with varied and more inclusive daycare services.

To keep yourself updated on topics like ‘what is daycare treatment in health insurance’, you can visit our health insurance blogs for more information, where you can also read up on related questions like ‘How Important Is Health Insurance For Children In India’, ‘What Is Critical Illness Insurance’ and more.