Most health policies pay only after 24 hours in hospital. Day-care treatment is the exception: procedures that now take a few hours because medicine got faster.
“Day care treatment means a medical treatment or surgical procedure undertaken under general or local anaesthesia in a hospital or day care centre in less than 24 hours.”
What’s usually on the list
- Cataract surgery
- Dialysis
- Chemotherapy and radiotherapy
- Some ENT and eye procedures
- Some fracture and dental surgery after an accident
Older policies list a fixed set of procedures, sometimes a few hundred. Many newer plans cover all day-care treatment instead.
What isn’t day care
A consultation, a test, or treatment at a doctor’s clinic (OPD) isn’t day care, even if it’s expensive. Unless your plan has OPD cover, those bills are yours.
Is your procedure covered?Upload your policy and we’ll check the day-care list for you.