List of Day Care Treatments Covered under Health Insurance in India 2025

Daycare treatments are medical procedures or surgeries that require only 24 hours or less hospitalisation. The health insurance policy mostly covers the cost of extended hospital stays. However, these daycare treatments might drain your finances if you do not get them covered under the cashless program. There are a few health insurance plans that also give coverage for daycare treatments. This article will give you a list of daycare treatments and the health insurance plans that can subsequently cover them.

What Medical Treatments Fall Under Day Care Procedure?

Medical treatments are classified as the daycare procedure when it is:

• Performed in the hospital as an inpatient.
• Required a specialised observation or care afterwards.
• Performed in less than 24 hours. 

Some common daycare treatment options are:

• Diagnostics tests
• Chemotherapy
• Dialysis
• Infusion therapies
• Dental treatment
• Eye treatment

List of Daycare treatments covered as per IRDAI

1. Treatment of nose and nasal sinuses

   • Excision and destruction of infected tissue of the nose
   • Procedures on the turbinates (nasal concha)
   • Nasal sinus aspiration

2. Operation of the ear

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

3. Treatment of the subcutaneous tissues and skin

   • Local excision or destruction of diseased tissue of the skin and
   • Free skin transplantation
   • Revision of skin plasty
   • Chemosurgery on the skin

4. Ophthalmology- Eye Treatment

   • Incision of tear glands
   • Excision and destruction of infected tissue of the eyelid
   • Procedures on the canthus and epicanthus
   • Removal of a foreign body from the conjunctiva, cornea, lens of the eye, etc.
   • Incision of the cornea
   • Operation of cataract
   • Surgery for Retinal detachment

5. Orthopedics (Bones)

   • An incision on bone, septic and aseptic
   • Osteosynthesis to Close the reduction of fracture, luxation or epiphysiodesis with
   • Suture and other Procedures on tendons and tendon sheath
   • Arthroscopic knee aspiration

6. Cancer Treatment

   • Radiotherapy
   • Chemotherapy

FYI- Besides these, a day-care procedure also includes treatment for the urinary system, heart, and sexual organs.

What is the Benefit of Daycare Health Insurance?

Daycare health insurance offers a lot of benefits to the policyholders.

• Gives coverage for the short duration of treatment like 24 hours or less.
• A minor daycare treatment can be very costly, thus health insurance for daycare treatment reduces out-of-pocket expenses.
• You will get extensive protection, from diagnosis to aftercare.

How Does Daycare Health Insurance Work?

If you are wondering why to bother about the daycare procedure, I can bear a day’s hospital expense, then let me tell you, you are making a grave mistake. Nowadays, over-the-counter expenses like disease diagnosis tests that do not need hospitalization or treatment as such can also burn your pocket. Few tests can cost you thousands. So, how can you simply ignore it? The biggest benefit of a day-care procedure is that it will save you money.

For Instance: Mr. Kapoor had an accident and hence, had to go for Septoplasty- a surgical process to correct displacement of the nasal septum. The doctor asked for Rs.60,000 for the surgery. Since the technique is so advanced, the surgery was successful and Mr.Kapoor was discharged within a day, thus saving room rent, but what about the cost of surgery? Previously, the insurer did not pay money for the treatment that didn’t require hospitalisation for more than one day, however, if you have a health plan that includes a daycare procedure, this problem of yours can be solved easily. Thus, with the daycare procedure, Mr Kapoor was able to pay for surgery.

How to Choose Health Insurance Based on Daycare Procedure?

Nowadays, many health insurance plans cover daycare procedures. However, the benefits of some are better than others. Whenever you buy medical coverage based on day-care procedures, keep these points in mind:

1. Quality Matters

   Check the list of daycare treatments covered under the health insurance policy before buying. Do not just look at the long list of coverage but also check which can be beneficial for you in the future.

2. Sum Insured

   Look for a health insurance policy whose sum insured should match the potential costs for the daycare procedures. Keeping medical inflation in mind, opt for the higher sum insured options.

3. Check for Inclusions and Exclusions

   When buying a health insurance plan with daycare coverage, check for the inclusion list and exclusion list. Choose a plan that includes common procedures like cataracts.

4. Co-payment Clause

   Before buying the policy, check for the co-payment clause. This way, you will be prepared for the costs that might occur during the hospitalisation.

5. Consult With Insurance Advisor

   An insurance advisor can help you understand the different policy options and choose the one that best suits your needs and budget. You can schedule your call with PolicyX.com as per your suitable timings.

Insurance Companies that Offer Day-Care Procedures

1. Star Health Insurance - Treatments they cover

   • Ophthalmology
   • Neurology
   • Urology
   • Plastic Surgery
   • Oncology
   • ENT
   • Gastroenterology
   • Thoracic surgery

   Know More About: Star Health Insurance

2. SBI Smart Health Insurance

   • Tonsillectomy
   • Cancer Chemotherapy
   • Cataract Operation

   Know More About: SBI Health Insurance

3. United India Health Insurance

   • Lithotripsy
   • Radiotherapy
   • Auroplasty
   • Hydrocele

   Know More About: United India Health Insurance

4. Care Health Insurance

   • Tympanoplasty
   • Myringotomy
   • Stapedotomy (Treatment of various Lesions in Middle ear)

   Know More About: Care Health Insurance

Health Insurance Plans for Daycare Coverage

Check out more health insurance plans.

Choose the best health insurance plans!

Daycare procedures health coverage is very essential for today’s era in which medical inflation is through the roof. It gives you relief and saves you money but be sure to choose only the health insurance company that covers broadly categorized treatments.

Remember to prioritize policies that cover common procedures, offer a sufficient sum insured, and have a transparent claim settlement process. Investing in a robust health insurance plan with day-care coverage can offer you peace of mind and ensure that you can access timely and quality medical care without facing significant financial strain.

Compare Plans that Cover Cataract Surgery, Chemotherapy, and More.