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hospitalisation Coverage for Health Insurance

hospitalisation benefits for most health insurance covers pre-hospitalisation and post-hospitalisation. Pre-hospitalisation means the medical expenses taken into account before a policy holder is hospitalized. Post-hospitalisation on the other hand means treatments and expenses after getting discharged from the hospital. So when claiming for hospitalisation benefit from your health insurance, you should ensure you have the necessary information and proof before submitting your claim.

Pre and Post-hospitalisation in Health Insurance

It is common knowledge that when an individual is hospitalized, he or she undergoes several tests in addition to taking medication, both of which are covered by most of the health insurance policies. All these require expenses, hence you need to ensure you compare the health insurance summary of benefits or coverage before you purchase the most suitable plan.

Pre-hospitalisation expenses include various charges related to medical tests before an individual gets hospitalized. Doctors/physicians conduct a series of tests to accurately diagnose the medical condition of a patient before prescribing treatment. It is important to note that the number of days which are covered, tends to vary depending upon the type of health insurance provider. 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-hospitalisation expenses. For instance, several tests such as blood test, urine test and X-ray among others are categorised as pre-hospitalisation expenses.

Post hospitalisation expenses include all expenses or charges incurred by an individual after he or she is hospitalized. For instance, the consulting physician may prescribe certain tests to ascertain the progress or recovery of a patient. It is important to note that the number of days which are covered tends to vary depending upon the type of health insurance provider. However, in most cases, charges incurred by an individual for 60 days from the discharge date comes under the ambit of post hospitalisation expenses. Expenses related to various therapies, namely, acupuncture and naturopathy are not included by insurance providers in the category of post hospitalisation expenses. However, diagnostic charges, consulting fees and medicine costs are covered.


For some health insurance policies, the duration that fall under reimbursement for pre and post-hospitalisation may be 90, 120 or 180 days before or after hospitalisation, respectively. Therefore, before you decide which health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

More Info

Pre-hospitalisation expenses include various charges related to medical tests before an individual gets hospitalized. Doctors/physicians conduct a series of tests to accurately diagnose the medical condition of a patient before prescribing treatment. It is important to note that the number of days which are covered, tends to vary depending upon the type of health insurance provider. 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-hospitalisation expenses. For instance, several tests such as blood test, urine test and X-ray among others are categorised as pre-hospitalisation expenses.

Post hospitalisation expenses include all expenses or charges incurred by an individual after he or she is hospitalized. For instance, the consulting physician may prescribe certain tests to ascertain the progress or recovery of a patient. It is important to note that the number of days which are covered tends to vary depending upon the type of health insurance provider. However, in most cases, charges incurred by an individual for 60 days from the discharge date comes under the ambit of post hospitalisation expenses. Expenses related to various therapies, namely, acupuncture and naturopathy are not included by insurance providers in the category of post hospitalisation expenses. However, diagnostic charges, consulting fees and medicine costs are covered.


For some health insurance policies, the duration that fall under reimbursement for pre and post-hospitalisation may be 90, 120 or 180 days before or after hospitalisation, respectively. Therefore, before you decide which health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

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