Know about Day Care Treatment Cover


Day Care Treatment

An illness or injury is usually an obstacle in the pursuit of our life goals. Suddenly, health becomes our only priority. In the fast-paced life that we lead, getting prompt medical treatment is a blessing. 

Owing to advancements in healthcare, several medical procedures do not require hospitalisation for more than a single day. In fact, some procedures are completed within 24 hours and are known as Day Care Treatment or Day Care Procedures.

Buying a health cover gives you the advantage of day care treatment cover. Before choosing a health policy, you must check the day care treatment list among other features in the policy. 

Day Care Treatment Cover in Health Insurance

Day Care Treatment refers to a medical or surgical procedure which is carried out under general or local anaesthesia and requires hospitalisation of less than 24 hours. A health insurance policy offering cover for day care treatment is beneficial. Under this feature, the expenses incurred by the policyholder will be borne by the insurer, either through reimbursement or cashless facility. 

Day Care Procedures covered in Health Insurance

If you opt for the best health insurance policy, you can avail cover for various day care treatments. The coverage is available for a range of surgeries pertaining to: 

  • Heart: Coronary Angiography
  • Eyes: Cataract surgery, removal of foreign body, operations on tear duct, and corrective surgeries.
  • ENT: Foreign body removal, Septoplasty, Nasal Sinus Aspiration, Tonsillectomy, Myringotomy with Grommet Insertion, Tympanoplasty and other operations of the middle and inner ear. 
  • Tongue: Incision, excision and destruction of diseased tissue of tongue, Glossectomy, Reconstruction of the tongue and other surgeries. 
  • Cancer treatment: Radiotherapy and Chemotherapy 
  • Other surgeries: Haemodialysis, Colonoscopy, Lesion removal, piles, Appendicectomy, Hydrocele treatment, Lithotripsy, Sclerotherapy, Thoracoscopy, skin surgeries, bone fracture and joint related surgeries, operations on mouth and face, certain injury-related dental surgeries, etc.

Note: The above-mentioned procedures are some of the many procedures covered in a health policy. Policyholders must thoroughly read the policy documents to know the various day care procedures for which their expenses would be covered. 

Day care treatment meaning or definition should be clearly understood, before a person opts for a policy. An individual must consider the number of procedures covered under one category. At the same time, he or she should also pay attention to the definition of such medical procedures to avoid any confusion. The broader the definition or category is, the more beneficial it is for a policyholder. 

Advantages of Day Care Treatment Cover

Cashless treatment: Usually, most of the above-mentioned procedures would be planned in advance. The patients can easily avail the cashless treatment facility at any network hospital by notifying their insurer as per the specified time. 

Easy claims procedure: A policyholder can choose to avail cashless or reimbursement claim. The claim procedure is normally the same as applicable for in-patient hospitalisation.  

Convenience: The feature of day care treatment cover also ensures access to timely and quality medical care without any hassle. As the expenses will be settled by the insurance company, the policyholders can simply focus on their recovery without worrying about the medical bills. 

Savings: Tax benefit is among the key advantages of having a health policy which provide day care treatment cover. The policyholder can claim deductions on the premium paid, as per the Section 80D of the Income Tax Act, 1961. 

Secure your health with ‘Care’, a comprehensive family health policy by Religare Health Insurance, offering cover for over 540 day care treatment procedures. Avail cashless hospitalisation facility at any of the 7400+ network hospitals.