What real people do is say that they are not feeling well and insist on staying in hospital overnight. No more day case.
Do you mean that people in "day care" must tell lies now to avoid paying added excess?
My impression over many years is that there is widespread rigging of claims to get around the invidious restrictions in policies to maximise payout from health insurance. I don't believe that claiming a day case as as inpatient case is possible, but simply staying overnight in hospital to change a day case to an inpatient case is something I have heard of often and I think is very widespread.
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