With increasing competition, all of us are running to reach our goals, but no matter how fast we run, we can never beat time. We know the growth which medical science has leapt to in the last decade. Now, some of the principal treatment which took days before now only takes hours to complete. However, it does not mean that the expense of these treatments has been reduced. The cost of health care procedures has been constantly rising and choosing between the right health insurance plans is the most important thing right now. With the growth in the field of technology, service charges are increasing equally and getting any type of medical treatment is a very costly business. To counter this day-care health insurance was introduced.
What is a Day-care health insurance procedure?
There are times when the patient is required to go under diagnosis for certain diseases which may not require treatment in the hospital. Also, there are certain operations which can be done under 24 hours and thus may need hospitalisation for more than 24 hours. Daycare insurance will cover all the cost incurred during such procedures. In short terms, a daycare procedure takes care of all the expenses that a person had to pay for diagnosis or treatment within 24 hours. With health insurance, hospitalisation is needed to make claim and thus, daycare procedure is the ultimate solution.
The benefit of Day Care Health Insurance
If you think a day-care health insurance is not worth and you will be able to bear the amount for a single day hospitalisation, you can be making a grave mistake. Nowadays, the diagnostic tests and other surgeries which may not need hospitalisation are the major cause that burns your pocket. They are fast but costly procedure. The most prominent benefit of day-care procedure is that it will save you money.
Day-care is an inclusion
Many believe that their health insurance policy does not cover expensive treatment since there is not necessarily a hospitalisation for 24 hours. General policies do cover several day-care procedures and for confirmation, you need to read the policy document carefully. Day-care is just a term to describe the treatment procedures that require hospitalisation for less than 24 hours.
Day-care as a comparison tool
If you need to compare two policies, day-care can be an effective way to compare two policies directly. Don't immediately go with the number of procedures covered, instead, the emphasis should be on the definition and the scope of coverage. The claim procedure is almost similar to a normal health insurance policy.
OPD and Maternity Covers
OPD, dental and maternity covers for a lot of time do not require 24-hour hospitalisation nether are the part of the day-care procedure list. Well, the line which separates them is how expensive the treatment could get. Buy health insurance right away, read the policy document correctly and identify the best policy which will cover all your needs.