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/Day Care Treatment
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
36 features mapped
6 coverage topics
Start here8
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Big hospital bills
Every feature behind Big hospital bills, deciders first - pick one to see how the plans differ.
Now showing 5 features that look much the same across the plans we cover.
Step 3Plan Comparison
What is Day Care Treatment in health insurance?
Covers medical procedures that only take a few hours and do not need an overnight stay - such as cataract surgery, kidney stone removal, or chemotherapy sessions. Without this, you would only be covered for treatments that required at least 24 hours in hospital.
Every plan, ranked11 · 10 strong · 1 standard
Star HealthStrongSuper StarAll Day Care Treatments
Strong
All day care treatments are covered up to your Sum Insured, with no procedure list and no separate cap. The treatment has to need admission as an in-patient for less than 24 hours. Anything normally done on an out-patient basis is outside the definition and is not paid here.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
The test is admission, not the clinic. A cataract surgery or a chemotherapy session taken as an admitted patient qualifies. The same procedure billed at an out-patient counter does not.
HDFC ERGOStrongOptima RestoreAll Day Care Treatments
Strong
Procedures done under general or local anaesthesia that need less than 24 hours in a hospital or day care centre are paid up to your Sum Insured, with no named list and no separate cap. Cataract surgery, dialysis and chemotherapy sessions sit here. Treatment normally taken on an out-patient basis is not covered.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
The procedure has to be done at a hospital or a day care centre. The same treatment in a doctor's clinic is not paid, even when it is medically identical.
Star HealthStrongStar ComprehensiveAll Day Care Treatments
Strong
All day care treatments are covered up to your Sum Insured. The policy names no list of approved procedures and sets no separate cap, so any treatment that needs general or local anaesthesia and less than 24 hours in a hospital or day care centre qualifies - cataract surgery, dialysis, chemotherapy sessions, kidney stone removal.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
Treatment normally taken as an out-patient does not become day care just because it is done inside a hospital. The treatment must be one that would otherwise have needed more than 24 hours of admission.
Star HealthStrongFamily Health OptimaAll Day Care Treatments
Strong
All day care treatments are covered up to the full Sum Insured - the policy names no procedure list and sets no separate cap. The treatment must need admission as an in-patient for less than 24 hours; anything normally done on an out-patient basis is outside this benefit.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
Cataract has limit which is much lower than the sum insured level. Day care claims are filed within 15 days of discharge, alongside the hospitalisation bills. The extra Sum Insured this policy adds after a road traffic accident does not apply to day care treatment.
ICICI LombardStrongElevateAll Day Care Treatments
Strong
All day care treatments are covered up to your Sum Insured. The policy names no list of approved procedures and sets no separate cap, so any treatment that needs general or local anaesthesia and less than 24 hours in a hospital or day care centre qualifies - cataract surgery, dialysis, chemotherapy sessions, kidney stone removal.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
Treatment normally taken as an out-patient does not become day care just because it is done inside a hospital. The treatment must be under general or local anaesthesia and done at a day care centre or hospital with its own operation theatre, not at a clinic OPD.
Aditya BirlaStrongActiv One · VYTLAll Day Care Treatments
Strong
All day care treatments are paid at actual cost up to the Sum Insured. The policy does not tie you to a named list of procedures, and the 24-hour hospitalisation rule is switched off for them.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
A day care claim needs general or local anaesthesia in a hospital or day care centre. Treatment that is normally done on an out-patient basis does not count, even when it takes a few hours.
Care HealthStrongCare SupremeAll Day Care Treatments
Strong
All day care treatments are covered up to the Sum Insured, with no list of approved procedures to check against. Cashless and reimbursement both work.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
Treatment normally taken as an out-patient does not count, however short the hospital visit. The procedure must be one that would otherwise have required an in-patient admission, and it must be prescribed in writing by a doctor.
Star HealthStrongStar Health AssureAll Day Care Treatments
Strong
All day care treatments are covered up to the Sum Insured, with no procedure list and no rupee cap. Cataract surgery, dialysis, chemotherapy sessions and similar treatments that finish in under 24 hours are paid like any in-patient claim.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
The treatment must still be taken as an in-patient in a hospital or a registered day care centre. Something done purely on an out-patient basis is outside this benefit.
HDFC ERGOStrongOptima Secure · Optima-SelectAll Day Care Treatments
Strong
All day care treatments are covered on every plan, up to your sum insured, with no list of approved procedures and no separate cap. The 24-hour minimum stay that normally applies to a claim does not apply here, so a cataract surgery or a dialysis session that takes three hours is still paid.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
Day care means a procedure that needs anaesthesia in a hospital or day care centre and would otherwise have needed a stay of more than 24 hours. Treatment normally given on an outpatient basis is not day care, however short the hospital visit.
Niva BupaStrongReAssure 3.0 · ClassicAll Day Care Treatments
Strong
There is no separate day-care list here, because the policy pays for any admission of 2 hours or more. Cataract surgery, dialysis, chemotherapy sessions and kidney stone removal are paid up to your Sum Insured on every plan, with no procedure schedule to check against.
Coverage detailstap any row to understand it
Coverage ScopeAll Day Care Treatments
Expense limitCovered up to full Sum Insured
Watch out
The 2-hour rule does not apply to AYUSH treatment, which still needs 24 hours in an AYUSH hospital. On Classic and Select, cataract surgery covers only a mono-focal lens. Admission with no treatment, where only investigations like an MRI or endoscopy were done, is not paid.
Care HealthStandardCare AdvantageListed Procedures Only
Standard
Day care surgery is paid up to your full Sum Insured with no separate cap, but only if the procedure appears in the policy's list of day care surgeries. A procedure that finishes in under 24 hours and is not on that list is not payable, and treatment taken on an out-patient basis never counts.
Coverage detailstap any row to understand it
Coverage ScopeListed Procedures Only
Expense limitCovered up to full Sum Insured
Watch out
There are 541 numbered procedures and covers the common ones - cataract surgery, cancer chemotherapy, tonsillectomy - but it is a closed list. Before a planned short procedure, ask the hospital for the exact procedure name and check it against Annexure I.
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Or read one we prepared for Day Care TreatmentSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
Every feature, A to Z
Each one has its own page - what it means, and how every plan handles it.