What is Pre and Post Hospitalization Coverage in Health Insurance?

HEALTH INSURANCE PLANS



Benefits of Pre and Post Hospitalization Coverage

Most of the time, people assume that the health insurance policy or any family floater mediclaim cover the expenses only after hospitalization. Due to the lack of this awareness, they do not get the most out of their mediclaims. So, in this blog, you can read about pre and post-hospitalization coverage that should be a part of your health insurance policy

Suppose, whenever you fall sick or find some abnormalities in your body, you immediately go to your family doctor for consultation. Doctors do their normal check-ups in the clinic and prescribe some medicine for instant relief. But, after completing the duration of the dosage, if your condition does not improve, then your Physician will advise you to get hospitalized for further diagnose and treatment. Therefore, this process of hospitalization includes two kinds of expenses pre-hospitalization expenses and post-hospitalization expenses. Let’s understand the difference between these two:

Pre Hospitalization Expenses

Expenses that are incurred before you get admitted to the hospital for further treatment are known as pre-hospitalization expenses. The following are the admissible expenses considered as pre-hospitalization expenses that include in a health insurance policy.

  • Medical Tests such as blood, sugar, BP, and urine test ultra-sound and x-rays
  • Medicines
  • Vaccinations
  • Doctors’ Consultation Fees

Pre hospitalization expenses that have been incurred within 30-60 days before hospitalization can only be considered by insurance companies.

Post Hospitalization Expenses

Expenses that are incurred after you admitted to the hospital for your further treatment are known as post-hospitalization expenses. The following are the admissible expenses considered as post-hospitalization expenses that include in an insurance policy.

  • Medical Tests such as PET SCAN, MRI, Kidney Functioning Test, ECG, Endoscopy, Angiography and other
  • Advance medicines
  • Advance Vaccinations
  • Dialysis, Surgery, Organ Replacement and Physiotherapy, Daycare treatment, Chemotherapy
  • Doctors’ Consultation Fees

Post hospitalization expenses that have been incurred within 60-90 days after hospitalization can only be considered by insurance companies.

Points to be noted:

  • Expenses related to the ailment of the insured only will be considered under pre and post-hospitalization coverage.
  • Routine medication is excluded from the purview of pre and post hospitalization coverage.
  • Insured have to submit all the medical bills and diagnosis within the time frame to get the claim under this cover.

Five Reasons to Buy Insurance with Pre and Post Hospitalization Coverage

Comprehensive health insurance plans should cover pre and post-hospitalization expenses. Read below five reasons to buy insurance with pre and post hospitalization coverage:

1.Reimbursement of Expenses

Under this cover, your pre and post hospitalization expenses will be reimbursed by the insurance company once you submit all your medical bills along with recent diagnosis. You can get this reimbursement up to the sum insured and do not need to pay a single penny from your pocket.

2.Cashless Hospitalization

With pre and post hospitalization cover, you can opt for cashless hospitalization immediately in any of the network hospitals listed by your insurer near to your residence. You do not need to make cash arrangements before admitting to the hospital. You can go for the most appropriate treatment without thinking of a cash crunch.

3.Treatment in Network Hospitals

If your doctor prescribes you for hospitalization for better recovery, you should not think much about the hospitals. Under pre and post hospitalization cover, your insurance company provides you a list of the network hospitals that you can opt according to your locality. You can get admitted to any of these hospitals and get your claim settled easily.

4.Cover Treatment Costs

You must be happy to know that this cover does not only include the costs related to diagnosis, medicines, and doctors’ fees before and after your hospitalization. But, also cover the treatment costs such as dialysis, chemotherapy, daycare treatments, and surgeries as well. With this coverage, you should not worry about your hard-earned money.

5.Peace of Mind

With this add-on cover in your health insurance policy, you are in peace of mind. You are ready to face any unwanted medical emergency that can knock your door anytime. Your savings will not be drained, and you can keep it for your family's future while taking good care of your health.

Takeaway

Life is a journey on the windy road. Sometimes it goes smooth and sometimes it takes a U-turn. Todays’ unhealthy and stressful lifestyles, eating habits, pollution, and over-speeding traffic can cause any medical emergency. But, you do not need to worry. Religare offers you the best health insurance policy with pre and post hospitalization coverage. This cover pays all your before and after hospitalization expenses. You do not need to spend your money on heavy medical bills with our health insurance plans. You can give some protection to your family under our family floater health insurance. So, stay protected with us and secures your future for tomorrow.