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/Post-Hospitalisation
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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The concerns that cost the most when a plan gets them wrong
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What is Post-Hospitalisation in health insurance?
Pays for recovery expenses after you are discharged - like follow-up doctor visits, physiotherapy, and medicines - for a set number of days. This matters a lot after major procedures like heart surgery or knee replacement, where recovery can stretch over weeks or months.
Also called: post-hospitalisation expenses · expenses after discharge · follow-up care after discharge
Star Health
Super Star
Strong
Medical expenses for the 180 days after discharge are paid up to your Sum Insured, with no separate rupee cap. The expenses have to be for the same condition you were admitted for, and the in-patient claim itself has to be admitted.
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Watch out
180 days covers most recovery periods, including physiotherapy after a knee replacement or follow-up scans after cancer surgery. If you buy the Maternity Expenses optional cover, post-hospitalisation expenses are not paid under it.
HDFC ERGO
Optima Restore
Strong
Follow-up consultations, tests and medicines for 180 days after discharge are paid from your Sum Insured, with no separate rupee cap. 180 days is longer than the 60 or 90 days most Indian policies give, and that gap matters after heart surgery or a joint replacement, where the follow-ups run for months.
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Watch out
The 180 days only cover the condition you were admitted for, and only if the in-patient or day care claim was admitted. A new illness that starts in those months is a fresh claim, not post-hospitalisation.
ICICI Lombard
Elevate
Strong
Follow-up expenses for the 180 days after you are discharged are covered up to your full Sum Insured, with no separate limit. Physiotherapy can be included when it is medically necessary and prescribed by the treating doctor. Like the pre-hospitalisation benefit, it pays only if the claim was accepted.
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Watch out
The wording says physiotherapy may be considered, so keep the doctor's written prescription with the bills. Expenses linked to a claim under the Optional Covers section are not paid under this benefit.
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