Expenses on hospitalization are generally admissible only if the same is for a minimum period of 24 hours. However, there is an exception for cases of specialized treatment which cannot be undertaken in a shorter time (less than 24 hours) due to technological advance called day care procedures. It usually includes hemodialysis, chemotherapy, eye surgery, D&C, angioplasty, hernia, hydrocele, surgery related to ENT etc. Note: Procedures/treatments usually done in outpatient department are not payable under the policy even if converted to day care surgery/procedure or as in patient in the hospital for more than 24 hours.