Post-Hospitalisation

The policy covers certain expenses after the patient is discharged from the hospital.

Post hospitalisation expenses include all expenses or charges incurred by an individual after they are hospitalised. Doctors/physicians may prescribe certain tests to check the progress or recovery of a patient. In most cases, charges incurred by an individual for 60 days from the discharge date are covered.

Proportionate Deduction

Be sure you don’t overboard your room rent limit to avoid proportionate deductions in claim.

Many health insurance policies have a certain capping on per day room rent either limited to a category or as a percentage of Sum Insured. When you avail a room, higher than the eligible category or limit, a proportionate deduction is applied to the overall treatment expenses ie., the overall claim amount will be reduced as a proportion of difference between the eligible and the availed room cost. Only the cost of medicines which are sold at MRP are paid in actuals.

Continue reading “Proportionate Deduction”