In current times, a number of useful health insurance plans are available. They vary in their types, coverages, and price. However, the basic aim of such insurance plans is to safeguard any future medical emergency financially and ensure that you receive proper treatment.
In this article, we will focus on one such plan – Daycare health insurance. Read on to know various useful things about these plans.
What is a daycare procedure?
Normally full-fledged health insurance plans cover the cost of hospitalization and related treatment that last for more than 24 hours. But a number of small medical procedures may require you to stay in the hospital for a shorter duration i.e. less than 24 hours. Such procedures can be expensive too and could drain your savings if constant follow-ups are required. Daycare health insurance plans were introduced in order to provide all-around coverage to the policyholder that would cover small medical procedures. Thus, one could make a claim even for short surgeries or medical procedures under Daycare insurance.
Coverages of daycare health insurance plans
As mentioned earlier, medical procedures that require a short duration of hospitalization are covered under daycare medical health insurance. Following is the list of procedures usually covered under this type of insurance. However, do get in touch with your insurer to know the list of coverages offered under your daycare medical health insurance policy.
- Ear operations
- Reconstruction of the middle ear, Reconstruction of the auditory ossicles, Fenestration of the inner ear, Removal of a tympanic drain, Tympanoplasty (eardrum perforation closure)
- Arthroscopic knee aspiration, Osteosynthesis, Incision on the bone – aseptic and septic, Suture and other procedures on tendons/tendon sheath
- Cataract, Excision, and destruction of infected tissue of the eyelid, Incision of tear glands, Incision of the cornea, Retinal detachment surgery, Procedures on the epicanthus and canthus, Foreign body removal from the cornea, conjunctiva, eye lens, etc.
- Piles / Fistula
- Procedures on the turbinates, Excision, and destruction of infected tissue of the nose, Nasal sinus aspiration
- Subcutaneous tissues and skin
- Free skin transplantation, Chemosurgery to the skin, Revision of skin plasty, Local excision or destruction of diseased tissue of the skin
- Liver aspiration
Things to know before opting for daycare health insurance policy
- Daycare health insurance policies may or may not be standalone health insurance plans.
This coverage may be a part of your normal health insurance policy.
- Daycare insurance procedures can be confused with treatments for the out-patient department (OPD). One simple example would be dental clean-ups are OPT procedures whereas a dental surgery is a daycare procedure. Understanding the difference will help you avoid your claim from being rejected.
- A claim can be raised against daycare health insurance in the same manner as you would claim against your normal health insurance policy.
- Some people may buy a full-fledged health insurance plan by only considering the list of daycare procedures covered. This may not be fruitful as you could be missing out on other useful coverages.
How to choose the best daycare health insurance plan?
A simple way of buying the best daycare health insurance plan is first researching a bit on the features and benefits of the plans available in the market. This can be easily done online.
With the help of simple comparison tools, take a look at the procedures covered under the plan. Remember that a plan that offers a larger number of daycare procedures may not always be the best one. Things like cashless facility, age limit, sub-limit, co-payment, etc. are also important when it comes to health insurance.
Compare plans, understand their coverage, compare the prices and then choose the one you feel will turn out to be the most suitable and economical to you.
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