Pre-Hospitalisation and Post-Hospitalisation Expenses in Health Insurance

To understand the pre and post-hospitalization claim process, you need to know the difference between the two. Such covers refer to the inclusions in health insurance plans where the financial assurance is given against all the expenses incurred before and after the insured is admitted to the hospital.

Such a health policy is considered a wide-ranging plan that will cover every expense incurred not only during the hospitalization of the insured but also the ones incurred before and after discharge. Although many people do not pay much heed to the pre and post-hospitalization expenses, the fact is these can drain out all your savings.

Therefore, it is prudent to choose a health insurance policy covering every expense related to the insured’s treatment. Also, such a health plan will act as a shield to protect your savings by providing you with needed financial support to easily settle the skyrocketing medical bills during such a tough time.

All the medical expenses incurred before the patient’s hospitalization are termed pre-hospitalization costs. It includes scans, tests, and so on. Pre-hospitalization expenses are the ones that are incurred during the concrete diagnosis of the disease through tests like MRI, CT scans, blood tests, X-rays, Angiography, and so on. These are done to determine the patient’s condition before deciding to admit them to a hospital.

Post-hospitalization expenses are the ones that are incurred post the discharge of the patient from the hospital. The treatments that do not end immediately after discharge comes under post-hospitalization. Post-discharge treatments may include frequent medical consultations and treatments like dialysis, scans, and so on.

The insurers provide pre- and post-hospitalization covers for up to 30 days and 45-90 days, respectively. However, it depends from insurer to insurer. It should, however, be noted that the policy covers the pre and post-hospitalization expenses for the same illness for which the insured has been admitted to a hospital.

Here are some of the top reasons for opting for Tata AIG’s health insurance plans with pre-hospitalization and post-hospitalization covers –

• Wide Coverage

A normal health plan will only offer you coverage against the hospitalization expenses during the treatment of the illness that has been mentioned on the policy. However, with Tata AIG’s pre and post-hospitalization cover, you will be able to tackle every single financial challenge that would be posed at you during the entire treatment journey of the insured right from the diagnosis to the recovery from the disease. Our plan will cover the medical bills generated 30 to 60 days before your hospitalization and 60 to 90 days following your discharge from the network hospital.

• Wide Network Hospitals

At Tata AIG, you will get a list of hospitals to choose from when availing of the treatment. With such wide coverage, you will also get the liberty to choose from a number of network hospitals, as per your liking. With our network of more than 7,200+ network hospitals across India, you can get cashless treatment benefits without having to file a health insurance claim and wait for the reimbursement of your bills. With pre-hospitalization and post-hospitalization cover, you will also have the authority to choose a hospital that’s nearer to your place, and hence, you’ll be able to settle your insurance claim easily.

• Includes All Treatment Costs

At times, the post-hospitalization treatment costs are financially draining. For instance, if a person is hospitalized for a serious disease, the post-discharge treatments may run for days or months. In such cases, Tata AIG’s post-hospitalization cover will provide financial assistance for every single treatment cost.

The pre and post-hospitalization claim process is tricky. Timing plays a very important role in claiming such expenses. In addition, insurers usually follow a very strict period for settling such claims. Therefore, the claim application and document submission for the post-hospitalization coverage need to be completed within the time frame of availing of the treatment. If not, the claim might get rejected due to non-compliance with the policy. Hence, you must be aware of the time limit for filing such claims.

Once the claim is accepted, every expense related to the pre and post-hospitalization treatments will be taken care of by the insurer. With Tata AIG, you can avail of an easy and hassle-free claiming procedure online. Once our team verifies your application and documents, we will reimburse the money in your account as per the terms of the policy chosen by you.