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 -
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.
Explore more Health Insurance Features
Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Please enter valid quote reference ID