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 a compromise with it.
Thus, he began an era of fast-paced life where a man needs to work harder and faster in his respective fields. If so many things can be done in jinks then how can medical science stay behind? Therefore, unlike a few years back when treatment of cataract, gall bladder transplantation, etc. used to take a few days, it 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.
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 patients to stay in hospital and can be done in minimum 24 hours, so all the expense related to this stuff 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.
If you are wondering why to bother about the daycare 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 a day-care procedure is that it will save you money.
For Instance: Mr. Kapoor had an accident and hence, had to go for Septoplasty- a surgical process to correct displacement of the nasal septum. Doctor asked for Rs.60, 000 for the surgery. Since the technique is so advanced, the surgery was successful and Mr.Kapoor was discharged within a day, thus saving room rent, but what about the cost of surgery? Previously, the insurer was not paid money for the treatment that didn't require to be hospitalized for more than one day, however, if you have a health plan with daycare procedure, this problem of yours can be solved easily. Thus, with the day-care procedure, Mr.Kapoor was able to pay for surgery.
Nowadays, almost all health plans provide a day-care procedure. However, the benefits of some indeed are better than others. So, whenever, you buy medical coverage on the basis of day-care procedure, keep these points in mind-
Below is the list of the some of the treatments covered under day-care procedures-
Treatment of nose and nasal sinuses
Operation of the ear
Treatment of the subcutaneous tissues and skin
OPTHALMOLOGY- Eye treatment
Besides these, a day-care procedure also includes the urinary system, heart, sexual organs and cancer treatment as well.
Star Health Insurance - Treatments they cover
SBI Smart Health Insurance
United India Health Insurance
Care Health Insurance
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 saves your money but be sure to choose only that health insurance company that covers broadly categorized treatments.
Written By : Naval Goel
Last Updated : December, 2019
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