Health Insurance Coverage for 15 Common Daycare Procedures

As the name suggests, a daycare procedure is one that calls for surgery, operation, or mode of treatment that requires less than a day, or 24 hours, of hospitalisation. Earlier, these same procedures would demand an extended stay at the hospital, which would result in the total charges going through the roof. Thanks to the wonders of modern medicine, however, even complex treatments can now be undertaken within a day or less.

Some examples of day care procedures include chemotherapy, colonoscopy, dialysis, cataract, and others. Of course, not every short-term procedure or treatment qualifies as a day care procedure. Therefore, OPD consultations and hospitalisation (covering treatments requiring longer than 24 hours) are offered separately from this category, depending on your health insurance plan.

Living with any type of illness is extremely challenging, and the least your health insurance policy can do is alleviate the financial strain of regular treatments. Maladies like cancer or kidney disease tend to need a scheduled daycare treatment plan that requires frequent hospital visits for chemotherapy or dialysis. This can be a major expense, regardless of the fact that it takes less than 24 hours to complete. By covering all such day care procedures, your insurance plan helps ease the financial burden and allows access to quality care.

The Insurance Regulatory and Development Authority (IRDA) has listed several daycare procedures that are covered by most health insurance plans. Here’s the IRDA day care procedure list of inclusions for you to browse before looking for the right health insurance policy:

• Dialysis
• Prostate
• Angiography
• Chemotherapy
• Cataract
• Radiotherapy
• Colonoscopy
• Septoplasty
• Sinusitis
• Sclerotherapy
• Appendectomy
• Liver aspiration
• Hydrocele
• Lithotripsy
• Piles/Fistula

Albeit not comprehensive, the aforementioned list mentions most of the day care treatments or procedures that your health insurance plan will cover. One of the most popular questions people ask when looking for the best health plan is, “Is colonoscopy covered by insurance in India?” And the answer is yes, it is!

There are many benefits to having a health insurance policy that covers basic daycare procedures, such as:

• You can easily avail of cashless treatments as these procedures tend to be scheduled in advance. This is applicable at any of the insurer’s network hospitals.

• The treatments are hassle-free processes, thanks to advancements in medicine and technology. It’s much easier and most efficient to undertake them and embark on the road to recovery.

• Filing claims for day care treatments in health insurance is as seamless as filing other cashless and reimbursement claims.

When looking for the right health insurance policy for you and your family, pay attention to the inclusions as well as exclusions, so you can personalise it based on your specific needs. Look for plans that provide coverage for a wide range of categories as opposed to specific procedures. However, if you wish to cover a specific illness, it’s advisable to enhance your plan with critical illness insurance or other riders.

We at Tata AIG strive to provide you with health insurance plans that are tailor-made as per your needs. With a vast network of over 7200+ hospitals, our health insurance policy will allow access to convenient as well as high-quality healthcare anywhere you go. In addition to cashless hospitalisation, we also offer benefits such as a substantial cumulative No-Claim Bonus, high claim settlement ratio, round-the-clock assistance, the paperless application process, and a host of tax benefits. You can read more about our customisable plans here.