Central News Agency (Central News Agency, Reporter Su Siyun, Taipei, July 3) Medical technology is advancing, and major surgeries that once required several days of hospitalization are gradually developing into a "one-day surgery" model. Life insurers suggest that when planning medical coverage, the public should shift from the traditional "hospitalization benefit-oriented" mindset to a "medical expense coverage" perspective, and are successively launching surgical insurance products. One-day surgery has recently become a topic of discussion in the medical and life insurance industries. With the increasing maturity of minimally invasive surgery and endoscopic technology, surgeries that previously required at least 2.5 days of hospitalization now have the opportunity to adopt a one-day surgery model. Regarding the issue of one-day surgery claims, the Financial Supervisory Commission explained that if it is a one-day "inpatient surgery" and meets the three conditions for hospitalization, existing policies can still cover hospitalization items; however, if hospitalization procedures are not completed, it will generally be handled according to the provisions for "outpatient surgery." Fubon Life stated that as medical trends rapidly shift towards "low invasiveness, short hospitalization, or even no hospitalization," it is recommended that the public, when planning medical coverage, should transition from the traditional "hospitalization benefit-oriented" mindset to a "medical expense coverage" perspective. They should prioritize checking if they have comprehensive actual expense medical insurance, and pay special attention to the coverage scope and payment conditions for outpatient surgery and related medical treatments to ensure that medical expenses do not create a gap due to payment conditions being limited to hospitalization. Simultaneously, they should ensure the completeness of surgical coverage items to cope with the changes in medical models. An Da Life pointed o