Motor
Health
Our WhatsApp number is a chat only number. One stop solution for all your queries!
More Products
Motor
Health
Support
closeOur WhatsApp number is a chat only number. One stop solution for all your queries!
Exclusive
Wellness Benefits
24*7 Claims
Support
Tax Savings
u/s 80D
Try agian later
I agree to the Terms & Conditions
{{abs.isPartnerAvailable ? 'We require some time to check & resolve the issue. If customers policy is expiring soon, please proceed with other insurers to issue the policy.' : 'We require some time to check & resolve the issue.'}}
We wouldn't want to lose a customer but in case your policy is expiring soon, please consider exploring other insurers.
Analysing your health details
Please wait a moment....
Terms and conditions
Terms and conditions
Health insurance is an essential safeguard in case of unexpected medical emergencies. But, many people assume that health insurance plans only cover hospitalization or treatment costs. Actually, these days a health insurance also covers things like accidents, psychiatric support, maternity expenses, as well as pre and post hospitalization related expenses.
While hospitalization charges include things like room rent, nursing charges, medicines, oxygen, and other consumables during your hospital stay, but what is pre and post hospitalization expenses? Let’s take a look:
These are any medical expenses that are incurred before being admitted to a hospital. These include the medical tests that are conducted to reach a diagnosis before admitting a patient to the hospital for treatment.
Examples include diagnostic tests, X-rays, CT scans, MRIs, angiograms, investigative procedures, medication, and more. Generally, any such expenses up to 30 days prior to the date of hospitalization are covered, but this may vary from insurer to insurer.
In most cases, treatment and recovery do not usually end immediately after leaving the hospital. Post hospitalization expenses are those costs that are incurred after the patient is discharged from the hospital.
This includes any follow-up treatments, medical consultation sessions, diagnostic tests, medication, etc. Usually, health insurance policies will cover these medical costs incurred between 45-90 days after being discharged from the hospital.
Remember to make a claim for pre and post hospitalization expenses within the mentioned time period for each of these covers. The following stems should be considered:
When you have a health insurance that covers pre and post hospitalization expenses, there are a number of benefits, such as:
Medical bills often go beyond what you need to pay for your hospitalization stay. When you need to be hospitalized (except in cases of accidents), hospitalized, you would have undergone several tests before this, and afterwards, you may require further tests, medication, or treatment. But, with the rising costs of medical care, these expenses can be very high and even end up exhausting your savings.
Thus, it is important that you look for a health insurance policy that provides coverage for pre hospitalization and post hospitalization expenses
These are medical expenses that go beyond your stay in the hospital. Pre-hospitalization expenses are incurred before you are admitted, and include diagnostic tests, investigative procedures, medication, and more. Post-hospitalization expenses are incurred after discharge and include follow-up tests, continuing treatments, etc.
These are medical expenses that go beyond your stay in the hospital. Pre-hospitalization expenses are incurred before you are admitted, and include diagnostic tests, investigative procedures, medication, and more. Post-hospitalization expenses are incurred after discharge and include follow-up tests, continuing treatments, etc.
For most comprehensive health insurance policies, these expenses are usually covered. Just check the policy documents. However, for some policies, they may need to be purchased separately as an add-on cover.
For most comprehensive health insurance policies, these expenses are usually covered. Just check the policy documents. However, for some policies, they may need to be purchased separately as an add-on cover.
You can claim both pre and post hospitalization expenses for diagnostic charges, consulting fees and medicine costs by submitting the relevant medical bills and documents, such as doctor's certificate and discharge summary, to your insurer at the time of making a regular health insurance claim.
You can claim both pre and post hospitalization expenses for diagnostic charges, consulting fees and medicine costs by submitting the relevant medical bills and documents, such as doctor's certificate and discharge summary, to your insurer at the time of making a regular health insurance claim.
There are some instances when pre-and post-hospitalization expenses will not be accepted such as: The claim was made after the mandated period (usually 45-90 days of hospitalization) The expenses were for a different treatment that the reason you were in the hospital The submitted bills or documents might be wrong, or some might be missing
There are some instances when pre-and post-hospitalization expenses will not be accepted such as:
Please try one more time!
More articles related to Health Insurance
Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.
Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
Get 10+ Exclusive Features only on Digit App
closeCurrently there are no news to show.
Read More
Renew & Download Policy Document, Check Challan, Credit Score, PUC & more
Anytime, Anywhere. Only on Digit App!
4.8
Rated App48K+ Reviews
4.8
Rated App
48K+ Reviews
4.3
Rated App9K+ Reviews
4.3
Rated App
9K+ Reviews
Scan to Download
Author: Team Digit
Last updated: 10-12-2024
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.