Daycare Treatment in Health Insurance

Why is Daycare Treatment Coverage Important?

Daycare treatment procedures can be expensive, but with the right health insurance plan, you’ll be covered against medical expenses. Here’s why it matters.

Rising Medical Costs

Even short-duration procedures such as dialysis or cataract surgery can cost more than 1000 rupees per session. Daycare treatment coverage provides financial protection against these frequent and expensive bills.

High Frequency of Daycare Treatment

Many conditions, such as cancer or kidney diseases, require repeated daycare treatments. Securing health insurance makes it easier to afford frequent treatments.

Cashless Convenience

Most health insurance companies offer cashless claims for daycare treatments at network hospitals, removing the financial burden of upfront payments.

List of Procedures Included Under Daycare Treatment

At Care Health Insurance, we provide coverage for all procedures and surgeries under daycare treatment. Some of these include:

• Cataract
• Hemorrhoids
• Coronary Angiography
• Tracheoplasty
• Colonoscopy
• Surgery for ligament tear
• Treatment of shoulder dislocation
• Haemodialysis
• Kidney endoscopy and biopsy
• Orchiectomy
• Cornea incision
• Tendon shortening

Common Misconceptions About Daycare Treatment

Here are some of the common misconceptions about daycare treatment that you should know:

Daycare is similar to OPD

Many individuals confuse daycare with OPD. OPD is a section of the hospital where patients get diagnosed or treated without hospital admission. At the same time, daycare treatment involves medical procedures requiring less than 24 hours of hospitalisation.

Only major surgeries are covered in the Daycare program

Daycare treatment is not limited to surgeries. Procedures such as dialysis, cataract and chemotherapy are also included under most health insurance plans.

Daycare treatments are not reimbursable.

It’s a common misconception that daycare procedures are not reimbursable. If you have undergone daycare treatment at a network hospital, you can avail of cashless treatment. However, treatments at non-network hospitals can be reimbursed.

All daycare procedures are automatically covered.

The coverage of daycare procedures depends on the terms and conditions of your insurance policy. Some insurers cover advanced or cosmetic procedures, while others cover specific procedures.

Difference between Daycare and OPD

The table below shows the difference between Daycare Treatment and OPD based on multiple factors:

Claim Filing Steps for Day Care Treatment

The process for filing a daycare claim is similar to that for inpatient treatment claims. Based on the type of hospital you selected for your treatment, you can file for both cashless and reimbursement claims by following these steps:

Cashless Claim

Step 1: Select the nearest network hospital for your daycare procedure and inform the insurer before your hospitalisation.

Step 2: At the hospital desk, share your policy details or health card.

Step 3: The hospital sends a pre-authorisation request to the insurer or TPA, mentioning treatment details and estimated costs.

Step 4: The insurer reviews the request and approves cashless treatment.

Reimbursement Claim

Step 1: Choose any hospital for your treatment.

Step 2: Collect all the necessary documents, including discharge summary, hospital bills, doctor’s prescription, pharmacy bills and claim form.

Step 3: Send all documents, along with the claim form, to your insurer or TPA within the specified time frame.

Step 4: The insurer reviews your documents, checks policy coverage, and may ask for additional documents if required.

Step 5: After approval, the insurer transfers the eligible amount directly to your bank account.

Things to Consider While Purchasing Day Care Treatment Cover

Here are some aspects you should keep in mind while purchasing health insurance for daycare treatment:

Number & Range of Procedures Covered

Before purchasing health insurance for daycare treatment, ensure the plan covers a wide range of daycare services, especially those relevant to your personal and family needs.

Network Hospitals for Cashless Treatment

Check if the hospitals near you are part of your insurer’s network to avail of cashless daycare treatments easily.

Exclusions and Waiting Period

Understand the policy exclusions and the waiting period for pre-existing diseases.

Why Choose Care Health Insurance for Daycare Treatment Cover?

Here are some solid reasons for choosing Care Health Insurance for Daycare Treatment cover:

Comprehensive Coverage

Securing medical coverage from Care Health Insurance ensures financial protection for a wide range of daycare procedures, from minor surgeries to advanced medical treatment without the need for 24-hour hospitalisation.

Cashless Facility Across Network Hospitals

With more than 21700 reputable hospitals in our network, we ensure you receive quality treatment whenever you need it, without upfront payments.

24x7 Customer Assistance

Our dedicated customer care team ensures you receive round-the-clock support for any query, claim, or emergency.

No-Claim Bonus & Renewal Benefits

Get rewarded for staying healthy with our no-claim bonus and continued coverage on policy renewal.

Note: Our customer support team ensures a transparent policy purchase and dedicated assistance from the moment you choose a plan to the time you make a claim.