Almost every GMC policy allows coverage to an employee for pre hospitalisation and post hospitalisation expenses. However, to raise a claim for such expenses, one needs to properly understand what exactly comes under pre hospitalisation and post hospitalisation expenses?
As the name suggests, Pre-hospitalisation expenses are rendered by an insured (or their dependent) before their admission for hospitalisation/treatment. Before the admission of a patient in a hospital, the patient goes through different kinds of medical tests to reach a diagnosis. Pre-hospitalisation expenses include diagnostic tests, X-rays, CT scans, MRIs, angiograms, investigative procedures, medication, etc. Generally speaking, majority of insurers allow such expenses up to 30 days prior to the date of hospitalization to be covered however, this may vary from insurer-to-insurer.
Post-hospitalisation expenses are the expenses undertaken after the patient has been discharged from the hospital since, for certain treatments continuous check-up on their condition is part of recovering themselves. Post-hospitalisation expenses includes any follow-up treatments, medical consultation sessions, diagnostic tests, medication, etc. Usually, majority of corporate health policies will cover these medical costs incurred between 45-90 days after being discharged from the hospital however, this may vary from insurer-to-insurer.
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