Pre-hospitalisation expenses include various charges related to medical diagnostic tests and consulting doctor fees before you are hospitalised. The doctors/physicians conduct tests to accurately diagnose the disease/ailment before advising hospitalisation and treatment.
In most cases, expenses incurred for 30 days prior to your hospitalisation are covered under pre-hospitalisation cover. Depending on the health insurance plan taken the pre-hospitalisation cover is extended for a period of 30 days to 60 days prior to hospitalisation.
The bills related to such pre-hospitalisation expenses along with prescribed doctor’s certificates can be submitted to the Insurer and get reimbursed.
Post hospitalisation Cover
Post hospitalisation expenses include various charges related to medical diagnostic tests, prescribed medicines and consulting doctor fees after you are discharged from the hospital. The doctors/physicians advise tests and medicines after the hospitalised treatment to monitor your recovery.
In most cases, such expenses incurred after your discharge from the hospital are covered under post hospitalisation cover. Depending on the health insurance plan taken, the post hospitalisation cover is extended for a period of 60 days to 180 days after hospitalisation.
The bills related to such post hospitalisation expenses along with discharge summary and prescribing doctor’s certificates and test reports can be submitted to the Insurer and get reimbursed.