Everyone is running at high speed to reach their goals because no matter how much you try, you can never beat time and all you can do is compromise with it. Thus, began an era of fast paced life where man needs work harder and faster in his respective field. If so many things can be done in jinks then how can medical science stay behind? Therefore, unlike few years back when treatment of cataract, gall bladder transplantation etc. used to take few days, can be now treated within 24 hours. However, does that mean the expense of these treatments has also reduced? Of course not. Like in every field technology is improving but service charges are increasing, similarly, getting medical treatment is a very costly business. Thus, day-care health insurance was introduced.
What is Day-care Health Coverage?
There are at times that patient is asked to do some disease diagnosed test where the treatment is not required say MRI Scan or some minor operation that does not require patient to stay in hospital and can be done in minimum 24 hours, so all the expense related to these stuffs will be paid by the insurance company under day-care rider. In other words, day-care health coverage looks after all the coverage that the insurer had to pay for diagnosis or treatment in hospital which can be taken care of within 24 hours.
What is the Benefit of Day-Care Health Insurance?
If you are wondering why to bother about day care procedure, I can bear a day expense of hospital, then let me tell you, you are making a grave mistake. Nowadays, the over the counter expenses like disease diagnosis test that do not need hospitalization or treatment as such can also burn your pocket. Few tests can cost you thousands. So, how can you simply ignore it? The biggest benefit of day-care procedure is that it will save your money.
For instance- Mr. Kapoor had an accident and hence, had to go for Septoplasty- a surgical process to correct displacement of nasal septum. Doctor asked for Rs.60, 000 for the surgery. Since, the technique is so advance, the surgery was successful and Mr.Kapoor was discharged within a day, thus saving room rent, but what about the cost of surgery? Previously, insurer was not paid money for the treatment that didn’t required to be hospitalized for more than one day, however, if you have health plan with day care procedure, this problem of yours can be solved easily. Thus, with the day-care procedure, Mr.Kapoor was able to pay for surgery.
How to Choose Health Insurance on Basis of Day-Care Procedure?
Nowadays, almost all health plans provide day-care procedure. However, the benefits of some indeed are better than others. So, whenever, you buy medical coverage on basis of day-care procedure, keep these points in mind-
- It usually happens that whenever a person see variety of treatments covered under day-care procedure, he becomes excited. However, it is advisable to see rather the treatments covered under the day-care procedure are broader in concept wise. For example, instead of give 200 names of all types of surgeries, the name of the 20-25 type of categories such as oncology, urology etc that might cover 300 surgeries will be more beneficial. Moreover, let’s be frank we are no expert nor doctor, so, it is obvious, we might not know all type of surgeries mentioned in the form nor we are free enough to Google everything, thus, it is better to go for the broader categories that we can at least guess.
- There is ODP (Out Department Patient) clause that not all insurance companies consist. It means that if the insurer didn’t get hospitalized for at least a day or has minor treatment not mentioned in day-care procedures, then he/she will not be paid. Hence, be sure that your insurance actually has ODP so that even if your treatment or diagnosis is done within few hours still you get paid by your insurance company. For an example- a simple dental surgery, this might not be considered under general day-care procedure but is included in ODP. Though in India, very few insurance companies offer ODP because health sector here is very unorganized.
What Treatments Day Care Procedures Include?
Below is the list of the some of the treatments covered under day-care procedures-
Treatment of nose and nasal sinuses
- Excision and destruction of infected tissue of the nose
- Procedures on the turbinates (nasal concha)
- Nasal sinus aspiration
Operation of the ear
- Tympanoplasty (closure of an eardrum perforation)
- Reconstruction of the auditory ossicles
- Removal of a tympanic drain
- Reconstruction of the middle ear
- Fenestration of the inner ear
Treatment of the subcutaneous tissues and skin
- Local excision or destruction of diseased tissue of the skin and
- Free skin transplantation
- Revision of skin plasty
- Chemosurgery to the skin
OPTHALMOLOGY- Eye treatment
- Incision of tear glands
- Excision and destruction of infected tissue of the eyelid
- Procedures on the canthus and epicanthus
- Removal of a foreign body from the conjunctiva, cornea, lens of eye etc.
- Incision of the cornea
- Operation of cataract
- Surgery for Retinal detachment
- incision on bone, septic and aseptic
- Osteosynthesis to Close the reduction on fracture, luxation or epiphyseolysis with
- Suture and other Procedures on tendons and tendon sheath
- Arthroscopic knee aspiration
Beside these, day-care procedure also includes urinary system, heart, sexual organs and cancer treatment as well. Insurance Companies that Offer Day-Care Procedures
Star Health Insurance– Treatments they cover-
- Plastic Surgery
- Thoracic surgery
SBI Smart Health Insurance
- Cancer Chemotherapy
- Cataract Operation
United India Health Insurance
Religare Health Insurance
- Stapedotomy (Treatment of various Lesions in Middle ear)
Thus, day-care procedures health coverage is very essential for today’s era where life pace is fast and so is the expense. It gives you relief and save your money but be sure to choose only that health insurance company which cover broad categorized treatments.
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