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Understanding Day Care Procedure Coverage in Health Insurance

In your health insurance policy, you may have come across the term ‘day care procedures’. Now, you might have wondered what treatments constitute day care procedures and what its inclusion in health insurance means for you. Well, if that is the case, then the following article is just for you! Read on for an overview of what it means to have day care procedures covered in health insurance.

What are day care procedures?

With advancements in medicine, many treatments and surgeries can be performed in under 24 hours. As these procedures do not require that the patient be hospitalised, they are referred to as day care procedures. The inclusion of these procedures in health insurance is truly advantageous for you. Even though a day care procedure does not necessitate an overnight stay in the hospital, the cost of this treatment can still be quite high. With the coverage for day care procedures included in health insurance, you can get the best in medical care without worrying about how you will pay for it.

What treatments are generally considered as day care procedures?

Health insurance companies generally include treatments such as cataract surgery, dialysis, tonsillectomy, angiography, chemotherapy, radiotherapy, piles, lithotripsy, septoplasty, osteosynthesis, retinal detachment surgery, and colonoscopy in their list of day care procedures. Do make sure to ask your insurer for an entire list of the procedures covered in your policy as these may vary between insurance providers.

It is advisable to pick a health insurance policy which offers a broader definition of coverage in day care procedures. For instance, a health insurance policy that mentions ‘oncology’ in its inclusions for day care procedures would be preferable over a policy that only specifies certain procedures in oncology. Also note that coverage for day care procedures may be subject to sub-limit and co-pay clauses that can vary between insurers.

What are the benefits of the inclusion of day care procedures in health insurance?

The most obvious (and biggest) benefit of having day care procedures covered by your medical insurance policy is that you can save a lot of money that would have otherwise been spent on your treatment. Another benefit is that you can often get these procedures done cashless – though you would need to inform your insurance provider a few days prior and get the request approved. Finally, we cannot leave out the peace of mind you enjoy, knowing you can get the best in medical care without worrying about the accompanying price tag.

Do keep your health insurance policy active by renewing it each year as you never know when you might need to use it. Remember that you can easily renew or buy health insurance online at your convenience to always stay protected. Also review your policy at regular periods to make sure that your coverage evolves with your new health needs.

We hope this article has helped improve your knowledge of day care procedures in health insurance. Take care and stay fit!

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