Same-Day Surgery to Be Treated as Inpatient for Insurance Claims? Life Insurers: Unlikely to Relax Criteria
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Regarding the issue raised by legislators on whether "same-day surgery" should be treated as inpatient for insurance claims, the Life Insurance Association is scheduled to discuss it on June 10. Insurers point out that the key to claims is whether hospitalization procedures were completed. If not, it is unlikely that outpatient surgery will be further relaxed and treated as inpatient surgery for benefits. The Financial Supervisory Commission stated it will review relevant insurance products and ask industry associations to discuss countermeasures.
AI Analysis
Frequently Asked Questions
- Q: What is same-day surgery?
- A: It is a surgery that, due to advances in medical technology, allows a patient to be admitted and discharged on the same day, whereas it previously required several days of hospitalization.
- Q: Will hospitalization insurance pay for same-day surgery?
- A: Yes, if hospitalization procedures were completed, it qualifies for inpatient benefits, though the benefit period would be for one day.
- Q: Will insurance benefits increase if an outpatient surgery becomes a same-day surgery?
- A: Currently, the industry generally considers it unlikely to increase benefits by treating outpatient surgery as inpatient surgery.