All You Need to know About Pre and Post Hospitalization Cover in Your Health Policy

Most people opine that a health policy provides coverage only for those medical expenses that one incurs during his/her stay at the hospital. However, contrary to the common belief, insurers also cover the expenses incurred prior to getting hospitalized as well as after getting discharged from the hospital. These are commonly termed as per-hospitalization and post-hospitalization benefits respectively.

To gain a better understanding of this concept, let us take an example:

Mr. Anoop, aged 40, an engineer by profession, was experiencing heaviness and pain in his chest for quite some time. He consults his family physician, who after carrying out a physical examination and making a note of his symptoms, asks him to get a few diagnostic tests done, which include ECG, Echocardiogram, and several others.

Ram returns to the physician with the reports, who then suggests conducting an Angiogram to find out if the coronary arteries are diseased. After having the test done, Ram again goes back to the practitioner, who sees the test results, and confirms that he is suffering from a Coronary Artery Disease, for which he would have to undergo hospitalization. For explanation purposes, let us consider that it takes 30 days to carry out this whole procedure of visiting the doctor’s clinic and completing the tests. On the 31st day, Ram is admitted at the hospital, where the cardiac surgeon performs a Coronary Artery Bypass Surgery on him. After a few days, Ram is discharged from the hospital. At the time of discharge, the surgeon prescribes some medicines along with investigation tests to monitor the recovery progress. He also asks him to come back for regular checkups.

Now, if Ram has a health insurance policy, he can make a claim of not only the expenses incurred during hospitalization, but he can also claim the payments he made towards the doctors fee and investigations he underwent during those 30 days prior to getting admitted to the hospital. Further, he will also be reimbursed the amounts he paid on his medicines, diagnostic tests, and follow-up visits during a period of 30/60 days, post his date of discharge from the hospital.

Let us now have a look at what is covered and what is not covered under each of the heads:

Pre-Hospitalization Covers

What is Covered?

  1. To avail the benefits under this head, it is mandatory that the person undergoes a hospitalization. Hospitalization implies when a person undergoes treatment in a hospital as an in-patient.
  2. The insurance company will pay for only those expenditures that directly pertain to the ailment/ disease for which the person was hospitalized.
  3. Admissible expenditures include diagnostic charges (X-Ray, Blood Tests, Urine Tests, and more), doctor’s consulting fee, and medicine costs incurred 30 days before getting admitted to the hospital.

What is not Covered?

Any routine medication that is not related to the ailment, for which the person was hospitalized, is excluded from the purview of pre-hospitalization benefit.

Post Hospitalization Covers

What is Covered?

  1. To receive the claim under this head, it is mandatory that the person has undergone hospitalization.
  2. All expenditures relevant to the ailment/ disease/injury for which the person was hospitalized, are payable by the health insurance provider.
  3. Admissible expenditures include investigation tests (X-Ray, blood tests, Urine Tests, and more), doctor’s consulting fee, and medicine costs incurred up to 30/60 days from the date of discharge.

What is not Covered?

  1. Any other routine medication that the person has been taking or needs to take, which is not related to the disease for which he/she was hospitalized, is not covered under the scope of this head.
  2. Any expenses made towards alternative therapies, including the likes of naturopathy, acupressure, or acupuncture do not fall within the ambit of this benefit.

What is the Time Limit for The Coverage?

Usually most of the health plans offer 30 days timeline before hospitalization for Pre-hospitalization benefits  and 60 days timeline post-discharge for post-hospitalization benefits subject to the plan specific terms and conditions.

But there are few health plans like OPTIMA RESTORE INDIVIDUAL from Star Health Insurance Co. offers 180 days of post hospitalization benefit. It is imperative to check on the timeline of coverage as well.

Below is the snapshot.

CP

The policy holder can claim the admissible expenses from the insurer by submitting the original bills & receipts, together with the copies of discharge summary and doctor’s certificate.

It is important to note here that these expenses are reimbursed, only when the ailment being treated is itself eligible for claim. To avail maximum benefit, it is always advisable to check the inclusions and exclusions of the Health insurance policy under the heads PRE & POST HOSPITALIZATION.

 

Harjot Singh Narula

Harjot Narula is founder and CEO of ComparePolicy.com, an IRDAI approved insurance web aggregator focussed on selling online insurance for companies. Harjot has more than a decade of experience in software development and has also spent 5 years in US working for the mortgage and risk management industry.

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