Day Care Treatment List, Benefits & Exclusions

Daycare procedures are treatments and surgeries that do not need overnight hospital stays. There is a wide range of daycare procedures in health insurance policies. Some of them are cataract surgery, ear drum repair, chemotherapy, radiotherapy, and hernia repair.

Choosing a health insurance policy with daycare procedures provides peace of mind, cashless services, tax-saving benefits, and so on. Outpatient department (OPD) treatments, including dental clean-up and cosmetic surgeries, are not covered under daycare procedures. Let us understand what is the daycare procedure and the differences between daycare vs OPD in health insurance.

What is a Day Care Procedure?

A day care procedure refers to medical treatments or surgeries that, due to technological advancements, require less than 24 hours of hospitalisation. Traditionally necessitating extended stays, these procedures now allow patients to be admitted, treated, and discharged on the same day.

Examples include cataract surgery, chemotherapy, dialysis, and radiotherapy. At Bajaj General Insurance, our health insurance policies comprehensively cover numerous day care procedures, ensuring you receive timely medical attention without the need for prolonged hospital stays.

This coverage not only provides financial support but also offers peace of mind, allowing you to focus on your recovery.

Daycare Treatment List of Health Insurance in India

Now that you know what is the daycare procedure, you need to explore the treatments covered by most of the insurers. Here is the list of the top 50 most claimed daycare treatments in India.

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Benefits of Day Care Procedures in Health Insurance Policies

Peace of Mind

Getting admitted to a hospital, even for a day, causes stress. Additionally, the high cost of treatment can definitely add to this. However, knowing that your day care expenses will be taken care of by your insurance company can relieve you from this stress and give you the required peace of mind.

Cashless Service

You can check with your health insurance company and avail the benefit of cashless health insurance claim settlement for the listed day care procedures in your health insurance policy.

Tax Saving Benefit

In India, you can avail the benefit of tax exemption under Section 126 of the Income Tax Act, 2025, for paying a premium towards your health insurance policy. Hence, a policy which covers you and your family for daycare procedures can give you an added tax-saving benefit.

Best Medical Care

You can get the treatment for day care procedures in the network hospitals, where you get the best medical care with the added advantage of a cashless service. Treatment in a network hospital can ensure that you and your family members get quality treatment, even if the hospitalisation is for a short period of time.

Health CDC Benefit

Health CDC is a unique feature provided by Bajaj General Insurance through our Bajaj General App. This allows you to raise and settle claims up to ₹20,000 quickly and conveniently.

Exclusions of Day Care Procedures

OPD treatments such as dental clean-up are not covered under daycare procedures, and your health insurance company will not reimburse you for the same. In addition, investigational or experimental procedures, cosmetic surgeries, and aesthetic purpose treatments are also excluded from daycare procedures.

Hence, it is important to browse through exclusions in health insurance policies to ensure that you do not file claims for treatments that are not covered.

We recommend that you read the policy wording carefully and understand which daycare procedures are covered in your health insurance policy.

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Difference Between a Day Care Treatment and OPD Treatment Cover

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How Daycare Claims Differ From OPD and Regular Hospitalisation Claims?

Both the OPD claims and regular hospitalisation claims differ from daycare claims. Have a look at the key differences in the table below:

Understanding what the daycare procedure is crucial to avoiding long hospital stays. Purchase the Bajaj General Health Guard plan to get financial protection during emergencies.

Factors to Consider When Choosing a Day Care Plan

When selecting a day care health insurance plan, it is essential to consider several key factors to ensure comprehensive coverage and financial protection.

Co-Payment Clause

This clause specifies the percentage of the claim amount that the policyholder must pay out-of-pocket. Opting for a plan with a lower co-payment percentage can reduce your financial burden during claims.

Sub-Limits

Some policies impose sub-limits on specific treatments or procedures, capping the amount payable. It's advisable to choose a plan with minimal or no sub-limits to ensure adequate coverage for various treatments.

Age Limit

Health insurance policies often have age restrictions for coverage. Ensure the plan accommodates your age group and offers coverage for day care procedures relevant to your age.

Cashless Facility

A cashless facility allows you to receive treatment without immediate payment, with the insurer settling the bill directly with the hospital. Confirm that your chosen plan offers this facility at a wide network of hospitals.

Network Hospitals

Verify that the insurance provider has a robust network of hospitals, especially those near your location, to facilitate easy access to cashless treatments.

Pre- and Post-Hospitalisation Coverage

Check if the policy covers medical expenses incurred before and after hospitalisation, as these can add up significantly.

Waiting Period

Be aware of the waiting period for specific treatments or pre-existing conditions. Opt for plans with shorter waiting periods to ensure timely coverage.

Premium Amount

While lower premiums are attractive, ensure they align with the coverage and benefits offered. Balance affordability with comprehensive coverage.

Exclusions

Thoroughly review the policy exclusions to understand what is not covered under the daycare procedure, preventing surprises during claims. By carefully evaluating these factors, you can select a day care health insurance plan that best fits your healthcare needs and financial situation.

Also Read: Everything You Need to Know About Jaundice

Conclusion

Understanding what is the daycare procedure is crucial since it allows patients to receive treatment and return home within 24 hours. The inclusion of such procedures brings numerous benefits like peace of mind, cashless services, tax savings, and access to high-quality medical care.

Nowadays, daycare procedures help to complete many advanced medical procedures within 24 hours. Explore comprehensive health insurance options from Bajaj General Insurance to avail peace of mind during medical emergencies.

FAQs

What are daycare procedures?

Day-care procedures are medical treatments or surgeries that do not require an overnight stay in the hospital. They are typically short, minimally invasive, and allow the patient to return home the same day.

Is endoscopy a daycare procedure?

Yes, endoscopy is considered a day-care procedure. It is a non-invasive diagnostic procedure that generally does not require an overnight stay in the hospital.

What are daycare expenses?

Day-care expenses are the costs incurred for medical treatments or procedures that are completed in a single day, including consultations, diagnostics, and minor surgeries. These costs are typically covered under many health insurance plans.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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