Health insurance has become an essential asset today as it comes to your rescue when you need money to pay for expensive medical expenses. If you have a health policy, you may have come across the terms - pre-hospitalization expenses and post-hospitalization expenses. Let’s find out everything about pre & post-hospitalization expenses in health insurance.
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Pre-hospitalization expenses refer to the medical expenses that you incur before getting admitted to a hospital. They include expenses incurred on diagnostic tests, such as blood tests, X-rays, urine tests, CT-scan, ECG, MRI, etc., conducted to diagnose a disease or medical condition.
When you are unwell, you may visit a doctor and get the suggested diagnostic tests and scans done. These tests and scans help the doctor to diagnose the medical condition based on which you may be asked to get hospitalized. If you get admitted to a hospital, the money spent on these tests and scans will be considered as pre-hospitalization expenses.
Most health insurance plans cover pre-hospitalization expenses for up to 30 days before getting admitted to a hospital. However, some plans may also offer pre-hospitalization cover for up to 60 days.
Post-hospitalization expenses refer to the medical expenses that you incur after getting discharged from a hospital. They consist of expenses incurred on medicines, follow-up treatments, doctor consultations, diagnostic tests, physiotherapy, etc. required for post-discharge recovery.
Once you are discharged from the hospital, you may need to take proper care at home to ensure a full recovery. To do so, doctors may advise you to take specific treatments & therapies and continue your medicines. You may also be asked to undergo follow-up tests & scans and visit the doctor after some time. Hence, the money spent on these things after you are discharged from the hospital will be considered as post-hospitalization expenses.
Usually, health insurance plans cover post-hospitalization expenses for up to 60/90 days after getting discharged from the hospital. However, some plans also offer post-hospitalization cover for up to 120 days.
Take a look at a few reasons why you must buy a health insurance policy with pre and post-hospitalization cover:
Here are a few things that you must keep in mind while buying a health insurance policy with pre and post-hospitalization cover:
A lot of medical expenses are incurred before you are diagnosed with a disease. Similarly, you will have to spend a lot of money after getting discharged from the hospital on follow-up treatments and medicines to ensure a full recovery. With pre & post-hospitalization cover, you can make sure that your insurance company pays for these expenses. Do remember to check the coverage period for pre and post-hospitalization expenses before you raise a claim.
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