Day Care Treatments Covered Under Health Insurance

Day care procedures are surgeries or procedures that do not require hospitalization for 24-hours. Thanks to the advancement in the field of medicine and technology. A common assumption is that standard health insurance policies only cover expenses incurred towards expensive treatments pertaining to critical illnesses, requiring an extended hospital stay.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    However, there are Some health insurance providers cover limited day care procedures, while some may cover all the day care procedures. These include cataract, radiotherapy, chemotherapy, dialysis, angiography, tonsillectomy, lithotripsy, etc.


    The list of all the day care procedures covered is given in the insurance policy documents and can also be found on the company’s website.

    Some Treatments Included in Day Care Procedures

    Type of Daycare Ttreatment


    Nose, Nasal Sinuses

    Procedures on the turbinates, Excision and destruction of infected tissue of the nose, Nasal sinus aspiration

    Ear Operations

    Reconstruction of the middle ear, Reconstruction of the auditory ossicles, Fenestration of the inner ear, Removal of a tympanic drain, Tympanoplasty (eardrum perforation closure)


    Arthroscopic knee aspiration, Osteosynthesis, Incision on bone - aseptic and septic, Suture and other procedures on tendons/tendon sheath


    Cataract, Excision and destruction of infected tissue of the eyelid, Incision of tear glands, Incision of the cornea, Retinal detachment surgery, Procedures on the epicanthus and canthus, Foreign body removal from the cornea, conjunctiva, eye lens, etc.

    Treatment of subcutaneous tissues and skin

    Free skin transplantation, Chemosurgery to the skin, Revision of skin plasty, Local excision or destruction of diseased tissue of the skin

    Day care procedures also include heart and cancer treatments, urinary and sexual organs.

    * The above list is indicative. Policies offered by different insurance companies may have specific inclusions and exclusions.

    Some Insurance Companies offering Day Care Procedures

    Below is the table with Health Insurance companies who are offering coverage for Daycare procedures in 2021:

    Insurance Companies

    Day Care Procedures

    Aditya Birla Health Insurance


    View Plan

    Bajaj Allianz Health Insurance


    View Plan

    Bharti AXA Health Insurance


    View Plan

    Cholamandalam Health Insurance


    View Plan

    Digit Health Insurance


    View Plan

    Edelweiss Health Insurance


    View Plan

    Future Generali Health Insurance


    View Plan

    IFFCO Tokio Health Insurance


    View Plan

    Kotak Mahindra Health Insurance


    View Plan

    Liberty Health Insurance


    View Plan

    Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance)

    Almost all day-care treatments covered

    View Plan

    Manipal Cigna Health Insurance


    View Plan

    National Health Insurance


    View Plan

    New India Assurance Health Insurance


    View Plan

    Oriental Health Insurance


    View Plan

    Religare Health Insurance


    View Plan

    Raheja QuBE Health Insurance


    View Plan

    Royal Sundaram Health Insurance


    View Plan

    Reliance Health Insurance


    View Plan

    Star Health Insurance


    View Plan

    SBI Health Insurance


    View Plan

    Tata AIG Health Insurance


    View Plan

    United India Health Insurance


    View Plan

    Universal Sompo Health Insurance


    View Plan

    See More Plans

    Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Advantages of Day Care Health Insurance

    Despite the fact that most day care procedures do not require hospitalization of 24-hours or more, they can still be expensive. Even over-the-counter expenses like diagnosis tests can cost a bomb. This is where day care health insurance saves the day.

    Example 1: Mr. Verma was diagnosed with kidney stones and a specialist advised lithotripsy for the stones’ removal. Earlier, the patient needed to be hospitalized to undergo this surgery. But due to medical advancements, this surgical procedure can now be completed in few hours and the patient gets discharged on the same day.

    Mr. Verma holds a health insurance policy that covers day care medical procedures. He scheduled the surgery for a later date and took the necessary steps to avail cashless services. The cashless payment procedure was smooth and Mr. Verma’s health insurance provider approved the treatment costs without any hassles, as lithotripsy was covered under the insurance company’s listed day care procedures.

    Example 2: Mr. Singh underwent the Septoplasty surgery successfully and was discharged the very same day. Thanks to the day care insurance cover in his health insurance policy, he was able to pay for the Septoplasty without any financial stress.

    How to Choose a Day Care Health Insurance Plan?

    Most health insurance companies highlight the “number” of day care procedures covered under their policy to entice customers. As a result, novice health insurance buyers wrongly choose a health insurance plan with maximum day care procedures.

    However, the number of day care procedures listed in the medical insurance plans is not the only factor that one must consider before investing. Cashless facility, age limit, sub limit, co-pay, etc. all play an important role while selecting health insurance policy.

    Quality vs. Quantity

    It is advisable to see the treatments covered under the day care procedures in a broader ‘concept’ sense. For instance, instead of looking at 200+ names of various isolated surgeries, looking at 20-30 broader categories like urology, oncology, a more practical, beneficial and inclusive approach, as hundreds of procedures are covered under these broad umbrellas.

    Moreover, for all practical purposes, it is better to opt for the broader categories that even a layperson can understand. Further, an insurance company that gives a detailed list with specific procedures may refuse to cover new treatments that come up in future due to medical science advances.

    When comparing different plans with similar features and benefits, it is wiser to opt for the one with broader categorization or better yet, with all-inclusive day care procedures.

    Category Cover

    Public sector insurers usually list out the broad categories of day care procedures. The advantage is that if a particular category of day care procedure is not listed at the time of policy purchase, one can request for its inclusion to third party administrators prior to treatment commencement.

    Process of Filing Day Care Claims in Health Insurance

    The process for filing day care claims is similar to that of a regular health insurance policy, since day care procedure coverage is an in-built policy feature. In case of planned procedures, the cashless route can be availed - some companies need prior intimation.

    In other cases, insurers reimburse after submission of the required documents. The provisions for pre and post-hospitalization benefits also remain the same - the insurance company reimburses hospitalization expenses incurred by the policyholder.

    Outpatient Department (OPD), Dental and Maternity Covers

    Some insurance companies offer policies where the USP is the coverage of outpatient department (OPD), maternity, and dental expenses. These policies cover treatments not requiring 24-hour hospitalization nor forming a part of the day care procedures list.

    The primary difference between OPD and day care procedures is the nature of the procedures covered. While OPD includes minor medical expenses, the latter relates to costlier procedures that otherwise would have entailed at least 24-hour hospitalization, if not for medical technology advancements. Dental treatments fall in the OPD category, while cataract surgery comes under day care procedures.

    Now it’s Your Turn!

    Amid the growing medical inflation and COVID-19 pandemic, coverage for day care procedures in health insurance is imperative in reducing the unnecessary financial burden. So do well to opt for a health insurance company that covers a broad range of day care treatments.

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    Annual Medical Check-ups in Health Insurance

    05 Jul 2022

    Regular health check-ups are important to keep a track of your...
    Read more
    Advantages and Disadvantages of Buying a Health Insurance Policy

    04 Jul 2022

    In India, healthcare is getting expensive with each passing day...
    Read more
    Does Health Insurance Cover Sports & Gym Injuries?

    27 Jun 2022

    Gone are the days when only athletes and professional sports...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    How Senior Citizens can save Tax with Medical Bills u/s 80 D?
    Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Income Tax Slab for Women: Guide to Exemptions and Rebates
    In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax...
    Read more

    Download the Policybazaar app
    to manage all your insurance needs.