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Pre Post Coverage?

QuestionsCategory: Group Health InsurancePre Post Coverage?
default avatarPlan Cover Staff asked 2 years ago
1 Answers

Best Answer

default avatarSrinivasan Mahadevan answered 2 years ago
Pre hospitalization and post hospitalization is a standard benefit under the health insurance plan which means expenses of pre hospitalization and post hospitalization will be covered. What is Pre Hospitalization Cost ? Pre hospitalization all medical expenses which is medicines,doctor fee,investigation charges prior to the hospitalization for which insurance company has paid the claim will cover in the policy within the specific timeline in the policy. If the Insured Person is diagnosed with an Illness which results in his Hospitalization and for which the Insurer accepts a claim, then the Insurer will reimburse the Insured Person’s Pre-hospitalization Expenses for up to 15 days,30 days,60 days as per health insurance plan limit prior to his Hospitalization all medical expenses i.e.medicines,investigations,consultation fees related to the diagnosis for which insured was hospitalized will be covered as pre hospitalization limit specific in the policy.Not applicable for maternity claim.
What is Post Hospitalization cost ? Post Hospitalization coverage after discharge of the patient all followups treatment cost including medicine,Investigations,doctor fee,will be paid. If the Insurer accepts a claim and, immediately following the Insured Person’s discharge, he requires further medical treatment directly related to the same condition for which the Insured Person was Hospitalized, the Insurer will reimburse the Insured Person’s Post-hospitalization Expenses,and post hospitalization will cover all expenses of medicines,investigations,consultation fee will cover up to 30 days,60 days,90 days or ahatever limit specific in the health insurance plan.