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/Pre-Hospitalisation
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What is Pre-Hospitalisation in health insurance?
Covers the cost of doctor consultations, tests, and medicines you needed in the weeks before your hospital admission - as long as they were related to the same illness. For example, if you had scans and specialist visits before a planned surgery, your insurer will pay for those too.
Also called: pre-hospitalisation expenses · expenses before hospital admission · prior hospitalisation expenses
Star Health
Super Star
Strong
Medical expenses for the 90 days before you are admitted are paid up to your Sum Insured, with no separate rupee cap. Two things have to be true: the expenses must be for the same condition you are admitted for, and the in-patient claim itself has to be admitted.
Coverage detailstap any row to understand it
Watch out
90 days is longer than most policies allow, so keep the scans, consultations and lab reports from the whole run-up to the admission. If you buy the Maternity Expenses optional cover, pre-hospitalisation expenses are not paid under it.
ICICI Lombard
Elevate
Strong
Medical expenses for the same condition in the 90 days before you are admitted are covered up to your full Sum Insured, with no separate limit. They are paid only if the claim itself is accepted. Anything spent before this policy started, and nursing care at home, are excluded by name.
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Watch out
The 90 days run backwards from your admission date and only expenses for the condition that put you in hospital count.
Aditya Birla
Activ One – MAX
Strong
Tests, scans and doctor visits in the 90 days before you are admitted are paid up to the Sum Insured, with no separate rupee cap. The spend has to be for the same condition, and your in-patient claim has to be admitted first.
Coverage detailstap any row to understand it
Watch out
These bills are settled as reimbursement. You have 30 days from the date of discharge to send them in, so keep every prescription and receipt from those 90 days.
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