Yes, your health insurance policy is very much applicable even if the hospitalization is less than 24 hours. This is known as Day Care Treatment. Here, 24 hours hospitalization is not required and you do have a scope of coverage too.
Day Care refers to any treatment or surgical procedure that is performed under general or local anesthesia in medical clinic/hospital or a day care centre requiring hospitalization for a period of less than 24 hours because of technological advancement.
However, remember that OPD (out-patient department) are not a part of the Day Care treatments. The claim procedure too is nothing different than a normal regular hospitalization.
The below treatments are covered under Day Care Treatment:
- Eye Surgery
- Piles / Fistula
- Liver aspiration