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Pre and Post-hospitalization are two terms that a layman must know clearly so as to reap the complete benefits of his Mediclaim. Basically, the expenses that get incurred 30 to 50 days before a patient gets admitted to the hospital are called pre-hospitalization expenses. On the other hand, those expenses which one incurs within 60 to 90 days of getting hospitalized fall under the category of post-hospitalization expenses.
Any health insurance plan which covers both pre and post-hospitalization expenses can indeed be considered as wide-ranging. It covers the expenses –
Pre-hospitalization expenses include:
Generally, most health insurance companies will offer coverage up to 30 days prior to the date of hospitalization.
Post-hospitalization expenses include:
Generally, insurance companies offer coverage for up to 45 to 90 days from the date of hospitalization. This period is called as the post-hospitalization period.
Why it is advisable to get pre and post-hospitalization insurance health covers?
If you did not know that these two expenses are covered by any comprehensive health insurance plans, then this article is meant for you. Get the much-needed details regarding pre and post-hospitalization in health insurance.
5 key benefits of buying a health insurance plan with pre and post hospitalization coverage:
How to claim for pre and post-hospitalization expenses?
Timing has always been a key factor that either makes or breaks the deal while placing claims for pre and post-hospitalization expenses. Most of the insurance companies adhere to a stringent time frame for setting these claims. For instance, the claim application and document submission process regarding post-hospitalization expenditure need to be completed within the given amount of time. Otherwise, the insurer can very easily reject your claims on the grounds of non-compliance. Hence, always enquire about the time limit for making such claims from your insurer.
In order to file the claim, you need to submit all the required documents, such as:
Once you submit all of the above-mentioned documents on time, the process for claim verification begins. The insurer will first check whether or not all the expenditures are related to the medical condition for which the patient has been admitted to the hospital. Once the verification is done, and everything is clear, the claim amount gets compensated depending on the terms and conditions of the health insurance plan.
Key points to keep in mind:
Are you looking forward to getting pre and post-hospitalization coverage in your health insurance? Then considering these few points will be of great help to you.
Q: Should I buy the pre and post-hospitalization expenses separately?
Ans:No. It is better to opt for an all-encompassing health insurance plan which covers both pre and post-hospitalization expenses.
Q: What are the various expenses that get covered under post-hospitalization coverage?
Ans:It covers expenses that incur because of hospitalization and on-going treatments and those that get incurred during the recovery process after discharge.
Q: Can I get coverage for fever-related treatments even though I was hospitalized because of diarrhoea?
Ans: No. Your insurance plan will cover only those expenses which have been incurred because of the health condition that has brought you to the hospital.
Q: Up to how many days will I get the coverage on my post-hospitalization expense coverage plan?
Ans: Although the time period varies as per different health insurance companies, still, on average, the plan offers coverage of up to 45 to 90 days.