Before we talk of claiming pre and post hospitalization cover, let’s understand the terms themselves. As their names suggest, the expenses incurred before hospitalization are filed under pre-hospitalization and treatment expenses after discharge from the hospital are filed under post-hospitalization. Claiming these expenses is a facility provided by health insurance companies and can only be availed by the insured. These expenses include OPD medicines, prescriptions given by the doctor, lab tests etc. Then comes the matter of how many days before hospitalization or for how many days after discharge can one get coverage. Generally, insurance companies cover medical expenses up to 30-60 days before admission and 60 to 180 days after discharge from the hospital.
(Read more: myUpchar Bima Plus)
- Pre-hospitalization expenses: Before a patient is admitted to the hospital, one or more tests may be required. Doctors and experts recommend getting tests done so that the disease or medical condition can be diagnosed and staged accurately and treatment can go in the right direction. Given the ever-increasing number of diseases, doctors do not take risks and prescribe tests even with minor or mild symptoms if there is room for doubt. Generally, under any regular health insurance policy, tests done before 30 days of hospitalization are covered under this policy. However, this duration can be more or less depending on the insurer. Pre-hospitalization also covers blood tests, urine tests, X-rays etc.
- Post-hospitalization expenses: The expenses from the time of hospitalization until discharge are claimed under inpatient hospitalization. Post-hospitalization expenses are those expenses that are incurred after the insured person is discharged from the hospital. These include medication, follow-ups and tests, while treatments such as acupuncture are not covered. Some health insurance companies offer coverage up to 60 days after discharge from the hospital, while others may offer coverage for longer. It could also depend on the policy to some extent.
While buying a policy, it is important to keep some general things in mind so that you get the best coverage possible even if it ends up costing you a few extra bucks. If you take the myUpchar Bima Plus policy, you get 30 days pre-hospitalization and 60 days post-hospitalization coverage as well as free online doctor consultation.
(Read more: What is Top Up Health Insurance)