Health Insurances 258 views
Medical expenses are rising ever so highly in the wake of growing ailments suffered by people these days. Critical illnesses like cancer, heart disease, kidney failure are on the rise and they require medical treatment for a long period of time. And due to that, expenses just keep firming up all the time. So, one requires the health insurance policy to get the cover for expenses incurred on the treatment of such diseases. We all pay attention to get such cover. But hardly we bother about the day care procedures like MRI scan or minor treatment that require less than 24 hours of hospitalization. In a bid to lessen the premium outgo, most of us seem to negate such cover and end up burning their pocket when we have to undergo such treatment. The expenses of day care procedures may be small for the riches. But for most of the middle class population, it can be extremely unbearable. For example- Nose surgery, which can be done within 8 hours, can incur a cost of Rs 50,000-1,00,000. The problem will only get worse if you encounter such day care procedures frequently with no cover for the same. Thus, you must think seriously about the day care procedure coverage and look for an insurer who provide the same along with other covers.
Day-care Procedure Cover
Many a times you would be asked to do some diagnosis like MRI scan where treatment may not be required or some minor operation requiring you to stay in the hospital for less than 24 hours. And all the expenses related to the same get covered by the health insurance company that provides day care procedure in its policy. You can save a fair amount of money that would otherwise go into MRI scans, minor operation, etc.
While choosing the health insurance on day-care cover, make sure the broader categories of surgeries are covered in the policy. For instance- Instead of 200 categories, go for 30-35 categories such as urology, oncology that may cover over 300 types of surgeries. Make sure your insurer has OPD clause in the day-care procedure so that you get paid for the same. There are many ailments that are not covered in day-care procedure but will be included in OPD.
Treatments Covered by Day Care Procedures
Treatment of nose and nasal sinuses
Ear operation such as tympanoplasty, reconstruction of the auditory ossicles, etc
Treatment of subcutaneous tissues and skin such as free skin transplantation, chemosurgery to the skin, etc
Eye treatment such as incision of tear glands, destruction and excision of infected eyelid tissue, cataract operation, etc
Treatment of bones like incision of bone, septic and aseptic, anthroscropic knee aspiration
Treatment of face and mouth
Treatment of heart, urinary system
List of Insurers Providing Day Care Cover
- Star Health Insurance
- SBI Smart Health Insurance
- United India Health Insurance
- Religare Health Insurance
- ICICI Lombard General Insurance
So, these were the benefits of day-care cover of health insurance. Choose a health insurance policy that provides wider categories of ailments in day-care coverage.