Pre and Post Hospitalisation Cover

What is Pre-Hospitalisation Cover?

Pre-hospitalisation cover refers to the medical expenses incurred before a policyholder is admitted to the hospital. In most cases, the treatment for an illness or injury doesn’t begin when the person is hospitalised. Often, the symptoms of a condition appear weeks or even months before hospitalisation, leading to a series of consultations, diagnostic tests, and medications to identify and treat the condition.

Key Aspects of Pre-Hospitalisation Expenses

Diagnostic Tests

These can include lab tests, blood tests, CT scans, X-rays, MRIs, and ultrasound scans, all of which are usually prescribed by a doctor to assess the patient's condition.

Doctor Consultations

Before being admitted to the hospital, patients typically visit healthcare professionals to discuss symptoms and undergo consultations. These consultation fees form a significant portion of the pre-hospitalisation expenses.

Medication Costs

As the condition is being diagnosed and treated before hospitalisation, the patient may be prescribed medications, which contribute to pre-hospitalisation expenses.
In most health insurance policies provided by Bajaj Allianz General Insurance Company, pre-hospitalisation coverage typically extends to medical expenses incurred up to 60 days prior to hospitalisation. However, the exact time period can vary depending on the insurer and the policy in question.

It's important to note that pre-hospitalisation expenses apply only to conditions that eventually require hospitalisation. If a condition does not result in a hospital stay, the related expenses will not be covered under pre-hospitalisation benefits offered by Bajaj Allianz General Insurance Company.

What is Post-Hospitalisation Cover?

Post-hospitalisation cover, as the name suggests, provides coverage for medical expenses incurred after the policyholder is discharged from the hospital. Treatment doesn’t end with discharge, as recovery typically continues during the recuperation period. This period often involves follow-up treatments, medication, therapy, and check-up consultations to ensure proper healing.

Key Aspects of Post-Hospitalisation Expenses

Follow-up Treatments

After discharge, patients are often required to continue certain treatments, which could include physiotherapy, wound care, or other therapeutic measures to aid in recovery.

Medications

Prescribed medicines may continue post-discharge, and their costs are often covered under post-hospitalisation benefits.

Diagnostic Tests

To monitor the progress of recovery, further diagnostic tests, such as blood tests, MRIs, or X-rays, might be needed. These are covered under post-hospitalisation benefits.

Consultation Fees

A patient may need to revisit their doctor for regular check-ups after being discharged. These consultation fees can also be included in post-hospitalisation coverage.

Post-hospitalisation coverage by Bajaj Allianz General Insurance Company is generally provided for a period of 90 days after the individual is discharged.

Why are Pre and Post-Hospitalisation Covers Important?

Medical expenses can quickly escalate beyond the costs associated with hospitalisation alone. Consider the following:

Pre-Hospitalisation Costs

Before a hospitalization, a person may undergo various tests and diagnostic procedures to identify the underlying cause of their symptoms. These costs add up and, without insurance, can become a substantial financial burden.

Post-Hospitalisation Costs

After discharge, many patients require continued care in the form of follow-up treatments, medications, or additional diagnostic procedures. Though necessary for recovery, these costs often surprise individuals who do not have the right coverage.

Without pre- and post-hospitalisation coverage, these expenses would need to be borne entirely by the patient, which can be financially overwhelming. The cost of medical care often goes beyond hospital stays, especially when chronic conditions or surgeries are involved. By opting for a health insurance plan offered by Bajaj Allianz General Insurance Company, you ensure that you are protected against the full spectrum of medical expenses.

Reasons To Buy an Insurance With Pre and Post-Hospitalisation Coverage

Health insurance plans offered Bajaj Allianz General Insurance Company provide numerous benefits to the policyholder:

Cashless Convenience

Plans offered by Bajaj Allianz General Insurance Company offer cashless options. This means you can often get your pre and post-hospitalization care at 18,400+ network hospitals without paying upfront. The insurance company handles the bills directly.

Financial Security

These covers ensure that policyholders don’t have to dip into their savings to pay for medical expenses before or after hospitalisation.

Comprehensive Care

Having access to coverage for all aspects of treatment, from diagnosis to recovery ensures continuity of care, improving the chances of a successful recovery.

Less Stress

Knowing that your medical expenses are covered allows you to focus on your health and recovery rather than worrying about the costs associated with treatment.

Improved Access to Healthcare

With pre and post-hospitalisation coverage, patients are more likely to seek necessary medical attention early on, reducing the risk of complications and ensuring timely intervention.

Can You Claim Medical Expenses Without Hospitalisation?

In policies offered by Bajaj Allianz General Insurance Company, hospitalisation is a prerequisite for claiming medical expenses. A person must generally be hospitalised for at least 24 hours for the claim to be considered valid. However, if you undergo a medical procedure or treatment that does not require an overnight stay but involves hospital visits for treatment (such as outpatient treatments), Bajaj Allianz General Insurance Company may classify it as an outpatient department (OPD) procedure, which may or may not be covered depending on your policy.

Why Choose Bajaj Allianz for Your Health Insurance Needs?

Bajaj Allianz General Insurance Company stands out as a trusted and reliable health insurance provider in India. With a wide range of health insurance plans, we offer comprehensive coverage to cater to various medical needs, ensuring that your health and financial security are well-protected. As mentioned above, the company’s standout features include over 18,400+ network hospitals offering cashless treatment, an efficient in-house health administration team, and the option to enhance coverage with the Health Prime Rider. Bajaj Allianz General Insurance Company’s commitment to customer satisfaction is evident through its quick claim settlement process, easy claim tracking via apps, and strong market reputation, making it an ideal choice for your health insurance needs.

Conclusion: Choosing the Right Health Insurance Plan

When selecting a health insurance plan, it’s important to look beyond hospitalisation coverage and ensure that your policy also covers pre- and post-hospitalisation expenses. These covers provide financial security for a broader range of medical treatments, allowing you to focus on your recovery rather than the associated costs.

Look for a comprehensive plan that offers ample coverage for both pre-and post-hospitalisation, as well as other essential factors such as the sum insured, premium rates, and the claim settlement ratio of the insurance provider. With such coverage in place, you’ll be better prepared to handle a medical emergency, making your health a priority without the stress of financial worries.

Incorporating pre- and post-hospitalisation coverage into your health insurance policy will ensure that you have a complete safety net for all stages of your healthcare journey, from diagnosis to recovery.