Does the school insurance cover pediatric inguinal hernia?

Patient's question:

Previously, the child had purchased insurance through the school. Now, the child frequently cries and has been diagnosed with pediatric hernia, which has made me a bit worried. So, I want to ask if the school insurance can cover this situation?

Doctor's answer:

Hernia is caused by localized skin weakness, leading to the protrusion and entrapment of abdominal organs. This is a congenital condition, and for a complete treatment, surgical intervention is required. If there is a protrusion, a hernia belt can be used, or manual reduction can be performed. Generally, if it can be reduced, the condition is not serious and does not cause strangulation. It can be waited until the child is older for surgical treatment. Schools typically offer accidental insurance, and hospitalization surgery requires a cooperative health insurance plan.

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