Hospitalisation is a costly affair.💵 Once hospitalised, the expenses start piling up. However, it is not only the hospitalisation period during which medical expenses are incurred; they can appear well after the hospitalisation is over. All insurance policies ensure that the insured person is thoroughly compensated for the medical expenses incurred, thus, giving rise to pre and post hospitalisation.
Table of Contents
What is Pre-Hospitalization?🏥
When you feel unwell and are on medication, you may not choose hospitalisation. It is only during extreme conditions. Additionally, doctors may request several reports and tests to be conducted before the hospitalisation to detect the disease. This period is known as the pre-hospitalization period, and the expenses incurred during such a are known as pre-hospitalization expenses.
What is Post Hospitalisation?
Once the patient gets discharged, it is not necessary that they would have fully recovered. The medication can continue for an extended period. Follow-ups and check-ups can be done, and reports and tests might be carried out to track the patient’s recovery. This period after the hospitalisation ends is known as the post-hospitalization period, and the expenses incurred in such a period are known as post hospitalisation expenses.
What are the Pre and Post Hospitalisation Benefits?
The group health insurance provided by the company for pre and post hospitalisation expenses ensures that the insured is compensated for the maximum costs incurred during their medical treatments. Certain diseases may involve prolonged treatment or multiple days without hospitalisation.
Most of the cost incurred during the pre and post hospitalisation period includes medicines, injections, medical tests, blood reports, hospital OPD charges, etc. Ideally, this should form part of the claim, and this is what group insurance ensures.
How Much Benefit is Provided During Such a Period?
This depends upon the insurer and the terms of the health insurance policy. Usually, a definite period is specified in the insurance policy for covering the pre and post hospitalisation benefits. For instance, if the insurance policy provides for a pre and post hospitalisation coverage of 30 days, then the insured person can claim medical expenses incurred 30 days before and after discharge from the hospital. However, it should be noted that the reimbursement shall only be allowed for the costs covered by the insurance policy.
Benefits of the Pre and Post Hospitalisation Coverage
Pre and post hospitalisation coverage entails the following benefits:
- Reduces Financial Burden: Pre and post hospitalisation coverage reduces the financial burden of the insured person as it provides an extra cover for non-hospitalisation expenses as well.
- Reduces Stress: The patients take some time to recover after the hospitalisation is over, continuing the cash outflow for medical treatment. With this cover, you need not stress the recovery as the insurance company will bear the cost.
- Helps in Preservation of Savings: As the insurance company takes care of all expenses, preserving your savings.
- Post Hospitalisation Emergency: In post-discharge emergencies, the insurance company will have your back while you get the treatment. This prepares you for post hospitalisation emergencies and secures you from increased medical treatment costs.
How Can Pre and Post Hospitalisation Benefits be Claimed?
Pre and post hospitalisation expenses can be claimed along with normal insurance claims. You will be required to submit the vouchers, bills, medical practitioner’s prescriptions, reports, etc., for claiming these expenses. The insurance company will then verify the same and decide upon the reimbursement amount as per the terms of the insurance plan.
How Plum Takes Care of Your Needs?
As one of the leading experts in the group insurance segment, we understand the employer’s and employees’ needs and ensure that they are adequately covered. Their medical needs are taken care of. Following are the benefits of comprehensive group insurance plans:
- Pre and Post Hospitalisation Cover: This is the foremost benefit that every person desires, and we at Plum make sure that we provide the best cover that suits these needs.
- Family Coverage: Plum ensures that employees’ families are not left behind for medical cover. The group insurance scheme extends to cover the family members of the employees, including your spouse, children, and parents.👪
- Add-on Benefits: If the employee desires, then the benefits under the insurance can be stretched to increase this protection. These are known as add-ons or additional benefits that include pre-existing disease cover, maternity cover, accidental cover, etc. With Plum, you can avail of such other benefits at a much lower cost.
- Cashless Claims: Plum ensures that you do not have to shell out the money to meet medical expenses. You can visit any network hospital with cashless covers and utilise cashless benefits.
Plum’s group health insurance cover ensures that your employees receive proper health insurance benefits. With regular health check-ups at zero expense, Plum provides that your employees are healthy, directly boosting their productivity and reducing sick leaves. Are your employees Plum insured?🧑🏻🤝🧑🏻