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Pre-hospitalisation expenses are medical expenses incurred by an insured person before getting admitted in a hospital. Post-hospitalisation expenses are medical expenses incurred once discharged from the hospital. These are covered by most health insurance companies.

Health insurance not only covers medical expenses during hospitalisation but additionally includes both pre and post hospitalization expenses. It's general knowledge that once a person is hospitalised, he or she undergoes various tests additionally to taking medication, each of those are covered by most of the insurance policies.

What are Pre-hospitalization Expenses?

  • Pre-hospitalization expenses include varied charges due to medical tests before a person gets hospitalized.
  • Doctors conduct certain tests to diagnose the medical condition of a patient before prescribing treatment.

Points to Note:

Note that the pre hospitalisation cover and the number of days included varies depending upon insurance firm and the type of policy you choose. However, in most cases, charges incurred by a person for thirty days prior to their admission to a hospital are included under the pre-hospitalization expenses. As an example, many tests like biopsy, urine test and X-ray among others are classified as pre-hospitalization expenses.

What are Post hospitalization Expenses?

  • Post hospitalization expenses include all charges incurred by a person once he or she is discharged after hospitalisation.
  • As an example, the consulting doctor might prescribe some tests to determine the progress or recovery of a patient.

Points to Note:

Just like pre-hospitalisation, the coverage and the number of days depends on the type of plan. In most cases, charges incurred by a personal for sixty days from the time of discharge comes under post hospitalization expenses.

Expenses associated with varied therapies, namely, treatment and naturopathy aren't enclosed by insurance companies within the category of post hospitalization expenses. However, diagnostic charges, consulting fees and medication prices are covered.

A person can claim both pre and post hospitalization expenses upon submission of required original bill receipts and copies of doctor’s certificate and discharge papers. Policyholders ought to have careful data of the list of inclusions in their insurance policies to avail of the most advantages from them.

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