Important things about pre and post Hospitalization coverage in a health policy

The pre-hospitalization and post-hospitalization are a little different thing and have different terms, conditions and benefits for the insurer.

It is a most common thing that a health policy offers coverage only for that kind of medical expenses which is curable during his/her stay time in hospital and in opposite the insurers also gives coverage for the expenses that incurred before hospitalized and after getting discharged from the hospital. They are given the name pre-hospitalization and post-hospitalization coverage and here are some details about them.

Often it is seen that hospitalization of any patient is needed after some tests and treatments have already done without any improvement in the patient’s condition and this same kind of expenses will be obtained after the patient get discharged from the hospital. Most of the individual and group health insurance plans have their supply to cover such expenses.

Pre-hospitalization

This kind of expenses supplied for the patient before he/she is admitted in a hospital for convict treatment and under this certain expenses can be considered under any health insurance policy, such as:

• Medical Tests
• Medicines
• Vaccinations
• Doctor’s Fee

• • Pre-hospitalization covers

  • • The benefits under this policy will be claimed by a person when he/she will undergoes a hospitalization and the hospitalization suggests in case that person undergoes treatment in any hospital as a patient.
    • The insurance company will pay expenses for those expenditures which directly apply to the disease for which the person got hospitalized.
    • The patient can get only the acceptable expenditure for investigation tests such as X-Ray, blood tests, Urine tests and more; doctor’s consulting fee and medicine costs obtained up to 30/60 days from discharge date.

    • Pre-hospitalization doesn’t cover

    • It doesn’t cover any kind of routine medication which is not related with the aliment for which the person got hospitalized and will reject from pre-hospitalization benefit.
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      Post-hospitalization

    • These expenses are like the pre-hospitalization in nature and sometimes applied as ‘recovery expenses’ where the medical expenses obtained by the insured to regain patients’ pre-illness or injury condition.
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      Post-hospitalization covers

    • • If the patient has undergone hospitalization then only he/she can claim for this coverage.
      • This coverage expenses all kind of expenditures applicable to the disease or injury for which the person got hospitalized are payable by the health insurance provider.
      • The other fees of applicable expenditures like investigation tests, doctor’s consulting fee and medicine costs incurred up to 30/60 days from the discharge date.

      • Post-hospitalization doesn’t cover

      • • Pre-hospitalization will not bear any kind of expense if the patient has been taking or needs some other kind of medication that is not related with the disease for which the person got hospitalized and is not present under the coverage scheme.
        • Besides normal coverage, any extra therapies such as naturopathy, acupressure etc. will not fall under this benefit.

        • Time limit for the coverage

        • Most of the health plans offer 30 days limit period in case of Pre-hospitalization benefits and 60 days limit period post discharge for post-hospitalization benefits for the plan specific terms and conditions. The policy holder can claim for the acceptable expenses from the insurer by giving the original bills and receipts together with the discharge copies and doctor’s certificate.

          Source

          www.comparepolicy.com
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          Published By
          Subhra Bera
          www.basic-healthinsurance.com
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