Understanding the difference between inpatient and outpatient medical insurance coverage is crucial for choosing the right policy. Get expert guidance from Keryl.
When you're admitted to a hospital and stay overnight or longer. This includes surgeries, deliveries, ICU care, and any treatment requiring hospital admission.
Medical care where you visit and go home the same day. No overnight stay required. This covers most routine medical services.
Best for those who want protection against major medical expenses but handle routine care out of pocket.
More affordable premium
Covers both inpatient and outpatient care. Best for families and those who visit doctors regularly.
Complete peace of mind
Rare option. Most insurers bundle outpatient with inpatient for better value.
Limited availability
Both inpatient and outpatient have separate annual limits. Make sure they're adequate for your needs.
Most inpatient treatments need approval from your insurer before admission.
Treatment at non-network facilities may result in higher out-of-pocket costs.
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