Simplifying Day Care Procedures in Health Insurance

Posted on: Feb 13, 2019 | 3 mins | Written by: HDFC ERGO Team

Simplifying Day Care Procedures in Health Insurance

Let's suppose you wake up one morning with intense pain in your lower back. You find it difficult to stand or sit comfortably, and the pain is severely impacting your daily activities. You visit a specialist who diagnoses you with a herniated disc. Fortunately, there's good news - the specialist recommends a day care treatment that can alleviate your pain and restore your mobility. This scenario highlights the importance of day care procedures in health insurance, where medical treatments can be completed within a day without overnight hospitalisation. Let's explore the benefits of day care health insurance, the day care procedures list IRDA, the process of filing claims, and the factors to consider when choosing a day care health insurance plan.

What are Day Care Procedures in Medical insurance?

Day care procedures refer to those medical treatments and surgeries that require hospitalisation but not exceeding 24 hours due to the advancements in medical science and technology. Such procedures are usually non-invasive or minimally invasive, and the patient gets discharged within 24 hours of being admitted to the hospital. One should not confuse day care procedures with OPD consultations, as not all short-duration treatments are considered day care procedures. One needs to be hospitalised in day care procedures for less than 24 hours.

Treatments Included in Day Care Procedures

The day care treatment list encompasses a wide range of medical procedures that do not require an extended hospital stay, that is, not more than 24 hours. These procedures may differ depending on the insurer and the policy chosen by you. However, IRDAI has set a comprehensive day care procedures list that must be covered by health insurance providers, such as:

• Cataract surgery

• Chemotherapy

• Dialysis

• Tonsillectomy

• Corneal incision

• Glossectomy

• Radiotherapy

• Tympanoplasty

• Stapedectomy

• Nasal sinus aspiration and many more

Advantages of Day Care Health Insurance

Day care health insurance offers several advantages to policyholders:

1. Provides financial coverage for costly treatments that can be completed in a single day, saving individuals from bearing the burden of exorbitant medical bills.

2. Day care health insurance eliminates the need for prolonged hospital stays, reducing inconvenience and allowing patients to recover in their homes.

3. Offers peace of mind, knowing that you are financially covered against unforeseen medical procedures.

How to Pick a Day Care Healthcare Plan? Quality vs Quantity

When selecting day care health insurance policies, it is crucial to strike the right balance between quality and quantity of coverage. Evaluate the coverage offered by different insurance providers, including the number of day care procedures included, the sum insured, and any waiting periods associated with specific treatments. Look for a plan that provides a wide range of day care treatments while ensuring adequate coverage for each procedure. Consider your medical history, lifestyle, and budget when making this decision.

Process of Filing Day Care Claims in Medical Insurance

Filing day care claims in health insurance policies is a relatively simple process. After undergoing a covered day care procedure, you need to collect the necessary documents, including medical bills, diagnostic reports, discharge summaries, and prescriptions. Submit these documents to your health insurance provider along with a duly and accurately filled claim form. Most insurance companies offer online claim submission, making it convenient and hassle-free. Once your claim is processed, the reimbursement will be provided as per the policy terms and conditions.

No Restriction on Entry and Exit Age

One of the notable advantages of day care health insurance is that it typically does not impose restrictions on the entry and exit age of policyholders. This means individuals of all age groups can avail of day care coverage from the day care procedures list IRDA, ensuring that they receive necessary medical treatments without any age-related limitations.

Conclusion

In the realm of health insurance, day care procedures have revolutionised the way medical treatments are approached. The ability to undergo advanced medical procedures within a day, coupled with comprehensive coverage, has made day care health insurance an attractive option. When considering day care health insurance, it is essential to choose a plan that covers a comprehensive day care treatment list and caters to your specific needs. Among the various insurance providers in the country, HDFC ERGO stands out as a trusted name, known for its customer-centric approach and comprehensive health insurance policies, including health insurance plans for family, day care health insurance, and senior citizen health insurance.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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