Imagine you’re out playing cards with friends when suddenly you feel a sharp pain in your abdomen. It starts as a twitch but quickly becomes unbearable. Your friends rush you to the hospital, and after a quick check, the doctor says it’s appendicitis that needs immediate surgery. The good news? You’ll be discharged the same day since the treatment doesn’t require an overnight stay.
But then comes the shock—your hospital bill is ₹80,000. You call your insurer, hopeful for help, only to find out they won’t cover the costs. Why? Because your policy excludes daycare treatments—procedures that require hospitalization but last less than 24 hours. This can include surgeries like appendicitis removal, as well as treatments like chemotherapy or dialysis.
This gap in coverage can leave you facing high, unexpected expenses. That’s why it’s so important to choose health insurance plans that cover daycare treatments. With such a policy, you get financial protection for medical procedures even when you don’t stay overnight in the hospital.
Daycare coverage is increasingly vital since many common treatments today are done on a daycare basis to reduce costs and hospital stays. Don’t risk getting caught without this cover—it could save you from a big financial surprise down the line.
When selecting your health insurance, always check the fine print and prefer plans that explicitly include daycare treatments. This way, you’re prepared no matter what health issues arise, and your wallet stays protected.
In short: Always prefer policies that cover daycare treatments—you never know when your appendix might put you in a soup!