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  • Glossary

    Health Insurance Terms Made Easy To Understand.

Day Care Centre

Under health insurance, a day care centre is an authorised healthcare facility within a hospital. Such a facility caters to those treatments or surgeries that require the policyholder to be hospitalised for less than 24 hours. Qualified medical practitioners carry out procedures in a fully equipped operation theatre with assistance from a nursing staff.

Day Care Treatment/Procedures

Medical treatments or procedures that require hospitalisation for less than 24 hours are known as day-care treatments. Patients undergoing day-care treatments or procedures are typically discharged from the clinic on the same day, soon after the minor procedure, they need to undergo. Examples of day care treatments include cataract surgery, tympanoplasty, haemodialysis, angiography, chemotherapy for cancer, etc.


A deductible is defined as a fixed amount that the insured person needs to pay from their pocket before claiming the sum insured. The health insurance provider is liable to pay for the medical costs only after the insured person has borne the costs up to the deductible amount. If the procedure costs are up to or less than the deductible amount, the insurer is not liable to make any payment.


Dependents are family members of the policyholder, for whom the policyholder generally purchases medical coverage. Under medical insurance plans, the individual purchasing the policy is typically regarded as the primary policyholder, whereas family members like the policyholder's spouse, children, parents, siblings, and parents-in-law may be listed as dependents.

Dental Treatment

Any treatment related to the insured person's teeth or structures that support their teeth is referred to as a dental treatment. Dental treatments can include dental health check-ups, fillings, extractions, endodontics (root canal treatment) and crowns. Dental treatment coverage may be part of a health insurance policy or offered as an additional rider. Such treatments are usually covered under day-care procedures.

Disclosure to Information Norm

Disclosure to Information Norm is a legal term indicating an insurance provider's right to invalidate a policyholder's health insurance policy if the policyholder provides false information or fails to disclose pre-existing conditions. In such circumstances, the policyholder has to forfeit their health insurance premiums paid to the insurance company for misrepresenting or not disclosing essential facts at the time of purchasing the policy.

Domiciliary Hospitalisation

Domiciliary hospitalisation is when a patient undergoes treatment at home which would otherwise require admission to a healthcare facility. Domiciliary hospitalisation is applicable when the patient cannot be moved to a hospital due to health conditions or if there is a non-availability of hospital rooms.

Disability Insurance/Disability Income Insurance

Disability insurance is a type of health insurance rider that covers formerly healthy policyholders who become disabled due to an accident or an illness. Such an insurance cover compensates policyholders unable to continue earning their regular income due to their disability. Under the disability insurance cover, insurance companies typically provide 80% of the income earned by the policyholder before their disability to help them pay for their daily expenses.