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Daycare Procedures Under Health Insurance

A Brief Summary of Daycare Procedures in health Insurance Plans

Almost all Health Insurance Policies offer coverage for procedures that do not require hospitalization. These are called Daycare Procedures.

Advancements in the Medical Sciences

Out Patient Department (OPD) services today offer a range of services including minor surgeries and discharge the patient within 24 hours of admission. Also known as Daycare Procedures now, these procedures would have taken at least a couple of days of hospitalization even a few years ago. 

Daycare Procedures Cover

With such technological advancements, the cost of these treatments is justifiably on the higher side. Health insurance companies generally cover the medical charges only when there is at least one day of hospitalization involved. However, Health Insurance providers make an exception in the case of Daycare procedures. All the benefits of health insurance can be availed if you are undergoing a Daycare procedure. 

Daycare procedure claim filing

The process for filing a claim for a daycare procedure is simple. If you require a medical procedure at a moment’s notice, you must safely store your medical bill. You have to submit the bill and other necessary documents for reimbursement from your health insurance provider.

If you are going in for a planned daycare procedure, it is advisable to intimate the Health Insurance Company first and then proceed with the cashless system of claiming.

Which Procedures are included Under Daycare Cover?

Depending on your Health Plan, you can get Daycare cover for several procedures including, but not limited to -

 Ear operation

Nasal surgery

Orthopaedic procedures

Optical surgery

Chemotherapy and other Oncological procedures that don’t require hospitalization.

Note Daycare procedures do not cover cosmetic surgeries unless it is required for maintenance of one’s life and is expressly prescribed by a healthcare professional.

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Written By: Bajaj Allianz - Updated: 25thApril 2024


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