Pre and Post Hospitalization expenses

Pre-hospitalization expenses

Pre-hospitalization expenses cover the medical costs incurred by the insured before going for hospitalization. Health insurance is done not only to entail medical expenses at the time of medical emergency, but it also covers both Pre and Post hospitalization expenses. 

Anyone who got admitted to a hospital is required to undergo several medical tests along with the taking of medication. So, all the expenses incurred during medical tests and medication are part of the health insurance plans.

What did all include in Pre-hospitalization Expenses?

Pre-hospitalization expenses cover various charges related to medical tests such as blood tests, urine tests, or X-rays, which are done before an individual gets admitted to a hospital. When doctors conduct a slew of the test to diagnose the medical condition of a patient before prescribing treatment then the cost incurred of all those tests is part of the pre-hospitalization expenses.

It is essential to understand that the number of days which are covered under pre-hospitalization expenses varies according to each health insurance provider. In most cases, the charges incurred by an individual are counted as 30 days before the insured goes for hospitalization.

Post Hospitalization Expenses

Post Hospitalization expenses include the cost incurred by an insured after getting hospitalized.  For example, doctor or physician prescribes certain test to ascertain the recovery or progress of a patient. In this case, also, the number of days that are covered varies according to the health insurance provider. However, in most cases, the charges incurred by an individual are counted as 60 days from the day insure is getting a discharge comes under the ambit of post-hospitalization expenses.

All expenses that are related to various therapies such as acupuncture, naturopathy, or physiotherapy are not part of insurance providers in the category of post-hospitalization expenses. It is not medically required treatments.

All expenses that are related to various therapies such as acupuncture, naturopathy, or physiotherapy are not part of insurance providers in the category of post-hospitalization expenses. It is not medically required treatments.

An individual can claim both pre and post-hospitalization expenses by submitting original bill receipts and relevant copies of the doctor’s certificate and discharge summary.

Policyholders should have detailed knowledge of the list of inclusions in their health insurance policies to avail of the maximum benefits from them.