1
Claim Assistance
Get In Touch

Sales :1800-209-0144 Service Chat :+91 75072 45858

 

Pre and Post Hospitalisation covered

What are Pre and Post-Hospitalization Expenses?

Pre‐hospitalization expenses refer to costs that you (insured) incur prior to admission in a healthcare facility or hospital. On the other hand, post‐hospitalization expenses constitute medical expenditure after discharge.

Leading health insurance providers, besides offering coverage for medical expenses during an emergency, also provide adequate coverage for both pre and post‐hospitalization expenses.

Pre‐hospitalization expenses

Hospitalization doesn’t happen suddenly, unless one sustains injuries in an accident. There is an interim period where symptoms start to surface, thereby necessitating consultation with the doctor for proper diagnosis. It is only after a series of tests that the exact medical condition is established.

Pre‐hospitalization expenses constitute a range of medical tests that are usually prescribed by doctors prior to admission in a hospital. Generally, medical costs that you incur 30 days prior to admission, are included in the ambit of pre‐hospitalization expenses. However, the exact period of time will vary across insurance providers.

One thing to keep in mind here is that pre‐hospitalization expenses will apply only for conditions for which one would be hospitalized.

This type of expenses usually include the following:

✓  Costs incurred towards medical tests

✓  Scans, X‐rays, etc.

✓  Consultation fees charged by doctors and healthcare professionals

 

Post‐hospitalization expenses

Medical care usually doesn’t stop with discharge from the hospital. There is generally a period of convalescence that follows. It is during this time that one should rest in order to properly recuperate from an illness or injury.

Post‐hospitalization expenses comprise of medicines and drugs, therapies aimed at recovery and consultation fees charged by physicians. While these are typically covered for a period of 60 days following discharge, the exact time will vary across insurers.

Explore more Health Insurance Features.

 

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Please enter valid quote reference ID

  • Select
    Please select
  • Please write your comment

Getting In Touch With Us Is Easy

  • Customer Login

    Go
  • Partner Login

    Go
  • Employee Login

    Go