Pre & Post Hospitalization Claims
Comprehensive coverage for medical expenses before and after your hospital stay.
What Are Pre & Post Hospitalization Claims?
Group health insurance policies typically cover medical expenses incurred before and after hospitalization. These are known as pre and post-hospitalization expenses.
Coverage Period:
Pre-Hospitalization
Usually 30-60 days before admission
Post-Hospitalization
Usually 60-90 days after discharge
Expenses Covered
- ✓Doctor consultations before or after hospitalization
- ✓Diagnostic tests and investigations
- ✓Medication and pharmacy bills
- ✓Physiotherapy and rehabilitation expenses
- ✓Follow-up consultations with specialists
- ✓Home nursing charges (if covered in policy)
Claim Process
Follow these steps to file your pre and post hospitalization claims for maximum benefits.
Step 1: Collect Documents
Gather all pre and post-hospitalization bills, prescriptions, and reports.
Step 2: Fill Claim Form
Complete the reimbursement claim form with details of pre/post hospitalization expenses.
Step 3: Submit Claim
Submit documents along with the main hospitalization claim or separately as applicable.
Step 4: Reimbursement
Receive reimbursement for approved pre and post hospitalization expenses.
Tips for Smooth Claims
Follow these guidelines to ensure quick processing of your pre and post hospitalization claims.
Keep All Records
Maintain proper documentation of all medical consultations, prescriptions, and bills from the pre-hospitalization period through post-discharge recovery.
Check Policy Terms
Verify the exact coverage period for pre and post-hospitalization expenses in your policy document before incurring costs.
Submit Together
Try to submit pre and post-hospitalization claims together after the treatment is complete for simpler processing and approval.