It is thus recommended to go through the list
of day care procedures covered under the family health plan, you are going to opt for.
140 + and other
listed day care procedures / surgeries which need the insured to be hospitalized for less than 24 hours are covered.
Actual medical expenses incurred
for day care procedures where at least 2 hours of hospitalization is done based on certain conditions.
The medical treatments that do not need hospitalization or need less than 24 hours of hospitalization are known
as day care procedure.
Almost all popular health insurance plans available in the Indian insurance sector covers the cost incurred due to
such day care procedures.
This scheme also provides cover for 400
+ day care procedures to be followed during the treatment period.
The process for filing day care claims is similar to that of a regular health insurance policy,
since day care procedure coverage is an in - built policy feature.
The list of the
exact day care procedures covered is included in the insurance policy documents and can be found on the company's website as well.
In today's day and age marked by growing medical inflation,
day care procedures health cover is imperative as it helps avoid unnecessary financial burden.
However, the number
of day care procedures listed in the medical insurance plans is not the only factor that one must consider before investing.
The plan grades the surgery from grade 1 to grade 5 based on the varying cost involved for the treatment like Grade 4 includes
day care procedures like bronchoscopy, dilatation.
Despite the fact that most
day care procedures do not require extended hospitalisation, they still turn out to be expensive.
United India Senior Citizen Policy covers hospitalization expenses for treatment of illness, injury and
certain Day Care procedures of people between the age of 61 and 80 years.
Insured has to pay 15 % of the admissible claim amount for expenses incurred from day care procedures
When comparing different plans with similar features and benefits, it is wiser to opt for the one with broader categorization or better yet, with all -
inclusive day care procedures.
Some health Insurance policies also undertake to compensate policy holders for the cost of pre - hospitalization expenses, post — hospitalization bills,
day care procedure expenses, and domiciliary treatment cost in case of medical treatment taken at home, which otherwise would have required hospitalization.
Specified day care procedures such as dialysis, eye surgery, radiotherapy, tonsillectomy, etc. are covered, for which the hospitalization for less than 24 hours subject to sum insured limits.
It might also include coverage
against day care procedures and ancillary benefits like accidental dental, non-allopathic and vaccination The coverage amount generally ranges from Rs 50,000 to Rs 10 lakh.
There are various features such
as day care procedures, waiting period, co-payment, deductibles and cashless cover that form the basis on which you can compare health insurance plans.
This health insurance scheme also provides cover for 400
+ day care procedures to be followed during the diabetes treatment period
The medical remedies that do not require hospitalisation or require less than a day of hospitalisation are
called day care procedures.
Nearly all the popular health insurance policies offered in the insurance sector in India cover the expenses incurred because of
such day care procedures.
The other features of the plan include cashless hospitalisation, coverage
for day care procedures (hospitalisation not required), up to an annual 50 % no - claim bonus, treatment costs of the organ donor, and so on.
Expenses for 144
listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed
Day care procedures and OPD procedures are covered depending on your policy and the procedure involved.
The policy has no cap on the room rent and treatment cost with coverage for more than 400
day care procedures.
This scheme also provides cover for 405
day care procedures are covered during the treatment period.
Benefits like
Day Care procedure Benefit, Other Surgical benefits and Premium Waiver Benefit (PWB) is also dependable upon the daily Hospital Cash Benefit.
The plan offers features that will cover the policyholder's expenses prior, during and after hospitalization, including medical care and
day care procedure that requires less than 24 - hours of stay in hospital.