Covering Pre-Post Hospital Charges via Parental Health Policies

As medical expenses reach new heights, the demand for health insurance is also increasing. Policyholders are constantly looking for plans that provide comprehensive protection against financial worries during medical emergencies. In this scenario, medical health insurance providers offer financial benefits beyond hospitalization.

Several insurance policies cover the expenses associated with before and after hospitalization. Delve deeper into this article to understand everything about pre and post-hospitalization charges, their coverage under insurance policies, and more.

Understanding the Concept of Pre-hospitalization Charges

Pre-hospitalization charges involve expenditures incurred by a policyholder before they become a patient in the hospital. All medical expenses between 30 to 60 days before admission come under pre-hospitalization charges. Some common pre-hospitalization expenses include:

• Medical tests before the diagnosis of the condition
• Fees paid to a doctor

Understanding the Concept of Post-hospitalization Charges

Post-hospitalization charges cover the expenditures of the policyholder for 30 to 60 days after being released from the hospital. Post-hospitalization coverage often includes outpatient care expenses. But you might be eligible for post-hospitalization charges even if you haven’t been prescribed outpatient care. Some common post-hospitalization expenses include:

• Medical care in the form of prescription medicines or tools to be followed at home
• Scheduled medical checkups to keep track of the patient’s health after release from the hospital

The Advantages of Pre and Post-Hospitalization Coverage

If your parental insurance policy offers pre and post-hospitalization coverage, you will enjoy the following advantages:

●     Extensive Coverage

Having a health insurance policy that covers both pre- and post-hospitalization means the ability to get past all financial obstacles that may occur from the time of diagnosis through the healing process. While insurance plans commonly cover hospitalization charges, not all of them cover you for the expenses incurred before and after your hospital stay. As a result, it is crucial to review the policy’s terms and exclusions to learn more about the coverage before purchasing the plan.

●     Looks After Long-Term Treatment Costs

As long as it’s not something extremely serious, your hospital stay will be for a short period. But remember that you will still be in the recovery phase after you are discharged. With a comprehensive health policy covering you during recovery, you will have no financial burden related to surgeries and daycare treatment, and it will bring down your financial burden.

●     Get World-Class Treatment at Network Hospitals

An insurance policy that covers pre-hospitalization and post-hospitalization charges will provide you with a list of network hospitals. You will be covered for your healthcare expenses at any of these hospitals. So, choose a network hospital close to your locality and receive world-class care from the experts.

Claiming Pre and Post Hospitalization Expenses

If you are looking for pre and post-hospitalization coverage, ACKO has some of the best policies. Learn about the easy and seamless procedure for claiming pre and post-hospitalization expenses.

Remember that time is extremely pivotal when claiming pre and post-hospitalization coverage. To receive proper coverage for pre and post-hospitalization charges, you need to be aware of the stipulated time for raising the claim. When you aren’t filing the claim within the specified time limit, it will be considered as non-compliance on your part.

While making your claim, you will submit certain documents for verification. Usually, the verification documents for claiming pre and post-hospitalization expenses include:

• Applicable medical certificates
• Original hospital bills
• Original prescriptions
• Medicine bills
• Discharge summary

Apart from these, your insurer might also ask for some additional documents. Once you submit all the documents, your insurer will begin the claim verification or validation process.

The verification process determines whether the expenses were related to the same condition that led to the patient’s hospitalization. Once the verification is over, the compensation will be provided according to the policy terms.

Pre and Post-Hospitalization Claim Rejection

Your pre and post-hospitalization claims might be rejected due to the following issues:

• Cause Inconsistency: Your claim will only be expected if the medical condition is covered under your policy’s pre and post-hospitalisation expenses.
• Time Lapse: Your claim will be rejected if not raised within 45 to 90 days of hospitalization.
• Incorrect Information: If you can’t submit proper bills and other evidence, your claim will automatically get rejected.
• Treatment Discrepancy: If your reports and expenses differ from why you were admitted to the hospital, your claim won’t be valid.

Wrapping up

While your parents might not need to be hospitalized for a long time, their pre and post-hospitalization expenses can be quite high. So, it’s always prudent to pick a health policy covering the before and after-discharge expenses.