When you are considering taking health insurance, you will quickly notice that instead of listing all possible medical conditions, insurance companies simply divide the policy into a group of benefits. If you need to stay in hospital overnight, then all of the expenses related to this stay will be found under inpatient benefits. Things like theatre cost, intensive care cost, drugs, dressing etc., will all fall under inpatient benefits. This means that no matter which condition you are claiming for, whether it’s heart surgery, kidney stones or knee replacement, if the surgery is required and the claim is eligible, then all of the expenses related to this surgery will fall under inpatient benefits.