Other / 25/12/2020

What is difference between pre hospitalization and post hospitalization?

What are Pre & Post Hospitalization Expenses? Pre-hospitalisation expenses are medical costs incurred by the insured before getting admitted in a hospital. Post-hospitalisation expenses are medical costs incurred after discharge from the hospital. These are covered by most health insurers.

What is post hospitalization?

Post hospitalization expenses are expenses that are covered after the insured has been discharged from the hospital. Post-discharge expenses like medicine, follow-ups, and tests are covered under the post-hospitalization expenses. The insurance company provides coverage to people up to 60 days post-discharge.

What is included in pre hospitalization expenses?

Pre-Hospitalisation Expenses in Health Insurance These costs refer to any medical expenditures that are incurred by the policyholder before they are admitted into a hospital as a patient. This limit ranges from any medical expenses between 30 days to 60 days before the person is admitted into the hospital.

How do I claim pre and post hospitalization expenses in Medi Assist?

In such cases, you can claim a reimbursement after discharge.

Intimate us about your impending claim.
Present your Medi Assist e-card at the hospital during admission along with any other legally accepted identity card.
Submit your reimbursement claim online within 7 days from date of discharge.

How do I claim post hospitalization expenses in Vidal health?

(1) Claim Intimation/Notification (2) Claim document procurement and (3) Claim submission.

(1) Claim Intimation/Notification. Under Mediclaim, in case of hospitalisation, the policy holder should primarily ensure that the Vidal Health Insurance TPA Pvt.
(2) Claim Document Procurement.
(3) Claim submission.

What is pre hospitalization benefit?

Pre-hospitalisation payments refer to the medical cost incurred before the patient gets hospitalized due to the same disease. Most health insurance policies cover these costs anywhere between 45-90 days before the hospitalization.

Does pre hospitalization expenses include pharmacy bills?

Routine medication is excluded from the purview of pre and post hospitalization coverage. Insured have to submit all the medical bills and diagnosis within the time frame to get the claim under this cover.

What documents need to submitted for a hospitalization reimbursement claim?

Documents needed for Reimbursement Claim Submission

Health Card Copy.
Hospital Discharge Summary (Original)
Duly filled claim form.
Investigation Reports( like scans, X-rays, blood report, etc)
Case receipts from hospitals or chemists.
If an accident happens, then FIR or medico legal certificate(MLC)

How do I reimburse medical expenses in Medibuddy?

Login to t.medibuddy.in and select Claims >> Hospitalisation >> Reimbursement. Select the proper beneficiary and ensure you fill the required details. Scan and upload your documents for faster processing of your claim. Please retain the scanned / photocopies of your documents for future reference.

What is basic medical expense?

Basic medical expense insurance (often referred to as first dollar insurance) pays benefits “up front” without the patient having to first satisfy a deductible. These plans, however, are limited to a set amount that they will pay and the amount of time they will pay for certain medical services.

What medical expenses mean?

Medical care expenses include payments for the diagnosis, cure, mitigation, treatment, or prevention of disease, or payments for treatments affecting any structure or function of the body.

What is pre and post hospitalisation in health insurance?

Your health insurance plan will cover those expenses also. Pre-hospitalisation expenses in health insurance refers to those medical expenses which we incurred for the same illness for which you got admitted later on. Most health insurance plans will cover these medical expenses for anywhere between 45 to 90 days before the hospitalisation.

Which is an example of a post hospitalization expense?

For instance, several tests such as blood test, urine test and X-ray among others are categorised as pre-hospitalization expenses. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.

Do you need health insurance for pre hospitalization expenses?

This is why coverage for pre-hospitalisation and post-hospitalisation expenses is an important factor that must be considered while buying health insurance. Expenses incurred before the actual date of hospitalisation are covered by most health insurance policies to a certain extent.

How many days before hospitalization and how long after hospitalization?

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.

When do you pay for pre hospitalization expenses?

However, in most cases, charges incurred by an individual 30 days prior to his or her admission to any hospital fall within the ambit of pre-hospitalization expenses. For instance, several tests such as blood test, urine test and X-ray among others are categorised as pre-hospitalization expenses.