With technological advances, many surgeries (complex and simple) can now be successfully completed in one day and the patients can be discharged from hospital within 24 hours. Such medical procedures, which do not require you to stay in the hospital for more than 24 hours are day care procedures.
The following procedures usually fall in the category of day care procedures:
To facilitate our customers with the best in class services, we at Bajaj Allianz offer coverage for most of the day care procedures with our various health insurance plans.
One widespread myth about day care procedures is that they are not covered under your health insurance plans. Most of you believe that your health insurance policy covers only longer hospitalization, but this is not the case every time. With improvements in medical procedures, the treatment time has decreased significantly. And so, health insurance policies have also adapted to include these short-term hospitalization procedures.
Benefits of inclusion of day care procedures in health insurance policies
Following are the advantages of day care procedures being included in health insurance:
Exclusions of day care procedures
OPD (Out-Patient Department) treatments such as dental clean-up are not covered under day care procedures and your health insurance company will not reimburse you for the same. Most health insurance policies cover day care procedures but not OPD.
We recommend that you read the policy wordings carefully and understand which day care procedures are covered in your health insurance policy. Please discuss with your insurer about the inclusions and exclusions regarding the same so that you do not face any trouble while filing a claim for day care procedures against your health insurance policy.
Visit our website, Bajaj Allianz General Insurance, for more insights on health insurance.
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