health insurance covers any sort of hospital stay. not just work related. It's saved me atleast a few hundred thousand in just the last 2 years. 4 visits for kidney stones, 1 car accident and some stitches, and an emergency visit for my mystery chest pains

just be careful what you get, sometimes deductibles are stupid high and your better off paying out of pocket if your in good health most the year. avg i have seen for a very good coverage plane with ~$500 deductible is 100/month