Day care insurance, procedure, filing claim, approval
Day care insurance is gaining popularity nowadays. Many people now prefer day care liability insurance due to its benefits. Let's learn that how can you take benefit of its services.
Day care process
Generally people think that their long stay in hospitals will be reimbursed by insurance companies but this is not true. Nowadays, health insurance companies have such health polices by which the patient get paid on the same day of admission and he need not to stay in hospital for much days. This is known as day care process.
Day care process does not include hospitalization of 24 hours. But this does not mean that it is less expensive. The cover number and the range of the day care process depend upon the insurance company. Day care liability insurance
The cover amount and the category of day care process depends upon the fact that which insurance company you are choosing. Insurance companies includes the admission process of day care treatment in their policy according to their own benefit. Thus it is not advisable to select it as an alternative health plan. Many people makes mistake in understanding the diseases covered under day care process.
If a health insurance company covers more number of diseases in its policy, then it does not mean that it is a best day care health insurance. Thus if a company promises to cover 160 diseases and another company promises to cover 120 diseases, then it does not mean the first one is better than another. Many factors are considered to know that which one is better. How to file claim for day care insurance
The procedure to file claim for day care insurance is similar to normal insurance. But the rules vary a bit in case of cashless facility. day care insurance claim is done on predetermined date. Generally, people are required to inform insurance company for cashless treatment in hospitals, but it is not so required in most of the cases. Day care insurance claim approval
There are not much mess in claim approval of day care insurance. Nowadays, it is easier to estimate the medical expenses due to surgical processes. Thus approval for cashless facility is granted earlier as compared to regular hospitalization. Reimbursement has also been accelerated with easier evaluation process.