Many individuals take a health insurance and remain assured that they would be covered for minor surgeries as well. However, on reading the insurance policy carefully, it does mention that for health claims, one would have to remain in the hospital for 2-days at the very least.
But, you should know that there are many surgeries that could begin the morning and end in the evening. Does this mean you would not be reimbursed for a surgery like removing gall bladder stones. The chances are that you might not.
With the advancement in technology, there are many surgeries that are performed in daycare. Therefore, you have to make sure that you are covered for the same.
When you take a policy it would be in the list of health care coverage, which would also mention day care procedures.
Remember, that a simple day care procedure may even cost you up to a sum of Rs 1 lakh. This could make a hole in your savings and should be dealt with. If you are already paying a premium and do not have day care cover, you could speak to your health insurance company and see how the same can be incorporated.
In fact, many insurance providers are busy creating a niche for themselves, which is why some provide daycare surgeries, while others provide insurance for maternity procedures. There are insurance companies that now specifically cover diabetes and also dental care procedures.
So, in a bid to woo individuals, niche coverage has become the need of the hour for insurance companies.