Day care treatment in group health insurance refers to medical procedures or surgeries that require less than 24 hours of hospitalisation. Unlike traditional hospitalisation, these treatments are completed quickly due to advanced medical technology.
Group health insurance policies cover these treatments even without overnight admission. This benefit is essential for employees under a business insurance policy, as it ensures access to necessary medical care without long hospital stays. Most group plans list a range of covered day care procedures.
Understanding Day Care Treatment
Traditionally, hospitals used to admit patients for almost every treatment. Medical advancements have changed that. Now, many procedures no longer need overnight stays. These are known as day care treatments. A patient can enter the hospital, get treated and return home the same day.
Previously, under health insurance, only treatments with hospitalisation beyond 24 hours were covered. But insurers now understand modern medicine. Group health insurance plans now come with coverage for treatments done in less than 24 hours. These treatments still involve surgical procedures or medical intervention. Day care treatment makes it easier for employees to claim expenses without long hospital stays.
Why Is Day Care Treatment Important in Group Health Insurance?
Traditional insurance policies often covered only those hospitalisations that lasted more than 24 hours. Medical advancements have changed this scenario. Insurers now recognise that several crucial treatments require less than 24 hours of hospital stay. This is why group health insurance policies include day care treatments.
Business owners must check if their business insurance policy covers such treatments. With the inclusion of day care treatment, your employees will save money on out-of-pocket expenses for common procedures like cataract surgeries, chemotherapy, or even simple fracture treatments.
What Qualifies as Day Care Treatment?
- Dialysis
- Prostate
- Angiography
- Chemotherapy
- Cataract
- Radiotherapy
- Colonoscopy
- Septoplasty
- Sinusitis
- Sclerotherapy
- Appendectomy
- Liver aspiration
- Hydrocele
- Lithotripsy
- Piles/Fistula
Not every procedure done in a hospital comes under day care treatment. Simple OPD visits, like a regular consultation or minor dressings, do not count as day care treatment. You must refer to your policy’s list of day care procedures because each insurer may cover a different number of treatments.
How Day Care Treatment Works in Group Health Insurance?
When you choose group health insurance for your employees, it usually includes a broad range of benefits. Day care treatment is one of them. The process for claiming such treatment is simple.
- The employee identifies the hospital from where they want to get treatment.
- They get a doctor’s recommendation for surgery or procedure.
- They inform the HR team and the insurance provider.
- The provider pre-approves the treatment based on eligibility.
- The hospital provides the treatment, usually within the same day.
- The employee either uses cashless treatment or submits documents for reimbursement.
Top insurers like TATA AIG, makes this process smooth with features like online claim filing and prompt customer support.
Business Insurance Policy with Day Care Coverage: Employer’s Responsibility
Every company wants to choose the best coverage for its team. However, not all group policies are equal. You should check the insurer’s list of covered day care treatments.
Always ask for a detailed brochure and make sure your employees know what is included. Educate them about how to use the day care benefits. Arrange small sessions or send email explainers. The more they know, the more value they get from your group health plan.
Also, do not forget to:
- Check the waiting period for day care claims
- Look at sub-limits for specific treatments
- Confirm whether cashless hospitalisation is available
- Ensure pre-authorisation is not too complex
How Day Care Treatment Impacts Claim Settlement in A Business Insurance Policy
Many people think small procedures will not cost much. But even a simple endoscopy or biopsy can cost thousands of rupees. If your group insurance does not include day care, your team may pay these expenses themselves. That defeats the whole point of providing insurance.
When your business group insurance policy supports day care, claim settlement becomes more fair. Employees appreciate the financial support during health issues. It also builds trust in your business leadership.
Also, note: Insurers prefer day care treatments because they involve fewer hospital resources. This allows quicker approvals and fewer delays in discharge, which helps all stakeholders—patients, hospitals, insurers, and employers.
Conclusion
Modern workplaces demand fast, efficient healthcare solutions. Your employees cannot afford to stay away from work for minor surgeries or procedures. That is why you must choose a group health insurance plan that includes day care treatment.
Day care treatment lets your employees recover at home while the insurer takes care of the bills. It saves time, reduces stress, and improves job satisfaction. Whether you run a startup or a large company, offering this benefit reflects your care for employee well-being.
Review your business insurance policy today and make sure day care treatment is a part of it. Because when your team feels protected, your business grows stronger.
Also Read: NPs and the Business of Healthcare: Care Meets Commerce
