Pre- and Post-Hospitalisation Cover in Health Insurance

Pre-hospitalisation expenses refer to the medical costs incurred by the insured prior to getting admitted to a hospital. Post-hospitalisation expenses refer to the medical or healthcare costs incurred following the discharge from the hospital. After knowing pre and post hospitalisation meaning, it is necessary to understand the expenses coming under this section. These pre and-post-hospitalisation cover in health insurance are offered by most health insurers. Health insurance is necessary at the time of medical emergencies. Pre- and post-hospitalisation coverage can protect the insured against his/ her savings being drained and makes it easier to settle their medical bills in medical emergencies. Thus, the policyholder can protect his/her family's health and financial future.

The Pre-Hospitalisation expenses include original doctor prescriptions, diagnostic test reports, medicine bills, and ambulance charges. The Post-Hospitalisation expenses include original follow-up doctor prescriptions, extra medicine bills, new diagnostic test results, alternative treatment charges, and soon. In general, a health insurance plan offer coverage up to 30 days of pre-hospitalisation expenses and up to 45–90 days of post-hospitalisation expenses. To make post or pre-hospitalisation claims in Health Insurance, the policyholder must collect all necessary reports, medical bills, and documents, like the claim form, discharge summary, and prescriptions. Then, he/she must submit them to Health Insurance through their online portal. A good health insurance policy offers financial coverage for expenses like pre-hospitalisation tests and post-hospitalisation treatments. In health insurance, there is a possibility of making multiple pre and post hospitalisation coverage claims within the policy period as long as the total cost of your claims does not go above the sum insured limit. This means you could use your post or pre-hospitalisation coverage for various medical expenses throughout the year without having to worry about a limit on the number of claims. The pre and post hospitalisation period in health insurance is covered only up to certain limits. Also, the pre and post hospitalisation expenses covered will depend on the health insurance plan you choose. Let's discuss pre-hospitalization coverage and post-hospitalization coverage.

Understanding Health Insurance Coverage for Pre- and Post-Hospitalisation

With rising healthcare costs, it is merely not possible to get the recommended treatment you need without a proper Health Insurance plan. Some expenses like pre- and post-hospitalisation expenses further add up to the overall medical expenses of an ailment or surgery.

Pre- and post-hospitalisation coverage can shield the insured against his/ her savings from getting drained and makes it easier to settle your medical bills during emergencies. Thus, you can secure your family’s health and financial future.

What are pre-hospitalisation expenses?

The medical expenses incurred before insured get admitted in to the hospital for the ailments or surgery are the pre-hospitalisation expenses. Tests done for investigation purposes as per the doctor’s recommendation and medicinal expenses are covered under the pre-hospitalisation expenses for a specified time limit as per the policy.

Pre hospitalisation expenses include consultation fees, medicines bills and investigation charges. The insured is required to submit the prescriptions and reports along with the original bills while making a claim for pre hospitalisation.

What are post-hospitalisation expenses?

Upon discharge from the hospital, there are still some medical expenses left. For better financial support, you need to ensure that your health plan also covers the post-hospitalisation expenses.

Health Insurance Policy covers the post-hospitalisation expenses, then the insurance company shall compensate such incurred medical expenses related to the admissibility of hospitalisation requiring in-patient care for a certain period from the date of discharge from the hospital.

Post-hospitalisation expenses include the costs of medications after surgery, revisits or follow-up consultations, and tests that are performed after discharge from the hospital. Most Health Insurance plans cover these expenses for the specified number of days for the post-discharge period from the hospital.

Health Insurance safeguards your family in case of unplanned medical emergencies. The skyrocketing medical costs quickly evaporate your savings if you are inadequately covered under a Health Insurance policy. So, before getting a Health Insurance policy, look for extensive coverage for pre- and post-hospitalisation expenses in the policy.