With the advent to technology, there are many treatments that have become simpler. The time of hospitalization required for these treatments is generally less than 24 hours. The individuals with health insurance plan covering them for inpatient treatments tend to forget that these medical procedures are not covered under the general inpatient category. Only insurance plans that provide medical cover for day-care procedures can cover treatments that take less than 24 hours hospitalization. This means that people who do not have such plans would remain vulnerable to a large number of medical treatment expenses.
Any medical cover plan should be bought after through scrutiny. Since day-care procedures require some amount of hospitalization, they cannot come under outpatient treatments either. One must check that the medical cover provided extends to medical procedures that call for less than 24 hours hospitalization.
There are different health insurance policies covering different aspects of treatment. The important point to remember is that a person should have protection against all the major treatments and illnesses he/she may face. Day-care procedures are covered by a number of insurance policies. But the medical cover and benefits would differ in each. At times, people forget that the list of day-care procedures covered by each company would be different.
Point to be remembered at all times when picking a health insurance plan is that there are a lot of kinds of treatments, and it is not always possible for the policy to cover them all. Therefore picking one which is most suitable to the individual is important. There may be families with a higher need for OPD cover, while there may be people with greater requisite for medical cover of IPD or day-care processes. Maxima, a comprehensive health insurance plan from Apollo Munich provides people with 360 degree cover from all these expenses.