Term of the week: Day-care procedure

Day-care procedure is a feature that forms part of almost all the health insurance policies today. It refers to surgeries or procedures that can be completed in less than 24 hours. Cataract operation, removal of foreign body in eyes or nose and laparoscopic appendicectomy are some of the surgeries that usually take less than 24 hours in a hospital and are classified as day-care procedures.

For a health insurance policy to reimburse medical expenses, 24 hours minimum hospitalisation is required. However, day-care procedures are out of this condition. The list of the exact number of day-care procedures covered in any health insurance policy can be found on the insurer’s website as well as the product brochure.

Note that, treatment normally taken on out-patient basis is not included in the scope of day-care procedures.

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