Out-patient & in-patient insurance cover

In-patient and out-patient care covers almost all forms of treatment you might receive, in or out of hospitals and clinics. But what do these include? And what are the differences between them?

In-patient care

In-patient treatment refers to any treatment where you need to stay in a hospital bed for one night or more. This is usually for more serious conditions or injuries – if you needed surgery, for example. If you don’t need to stay overnight, but still need to stay in a hospital bed for your treatment, you’ll be considered as a ‘day-patient’.

What it can cost

This can be a costly treatment to have if you’re not insured, as there are a lot of different parts of the care which add to the expenses. For example your hospital bed, your meals, hospital staff, the treatment itself, and any initial health checks, blood tests or similar. Depending on where you are, a hospital bed for the night can cost anything from £510 in Italy, to £2,193 in Canada*.

How it works

For in-patient care, you need to be admitted by a doctor, who confirms that you need to stay overnight for your treatment. The time this takes depends on the severity of your condition or injury, as well as the hospital you’re in.

Know you’re covered

With AXA’s global health plans, all cover levels include in-patient and day-patient treatment charges (from hospitals ,consultants, physicians, surgeons and anaesthetists) – up to your overall policy limit. Alongside these, things like overnight accommodation for a parent, psychiatric treatment, and cash benefits for a night in state hospital, can be included in your plan too.

Out-patient care

Out-patient care includes any medical service where you do not need to stay in a hospital bed. It can include consultations, diagnostic tests and the treatment itself. Out-patient care can lead on to in-patient care, depending on your diagnosis and the nature of the services you need.

The services involved

Out-patient care can include many different services: consultations, diagnostic tests, physiotherapy, vaccinations and more. The variation in the types of care means that each case is unique – so it’s important to choose the right level of cover for you, or your employees.

Choose to upgrade your plan

If they’re not included in the level of cover you've selected, consultation charges, physiotherapy, diagnostic tests and vaccinations can be added onto your plan. You’ll just need to select the ‘out-patient’ option when you get a quote. Take a look here for more information on what’s covered, and what can be added to each level of cover.

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International Health Plan

Need cover for you and your family?

We can help you to get fast access to expert medical care, whenever and wherever you need it – from a routine check-up to a lengthy hospital stay. So whichever dream you’re following, whatever happens on the way, you can rely on us to be there for you.


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*Figures sourced from the AXA Select provider network 2017.