When are Pre-hospitalisation and Post-hospitalisation expenses not covered?
Pre-hospitalisation and Post-hospitalisation expenses are a great way for an insured to reduce their financial burden and preserve savings. In order to understand what exactly are these expenses, please read
this guide. In order to understand how to raise a claim for these expenses, please read
this guide.
Now that you have understood what are these expenses and how to raise a claim for these expenses? One important thing that comes to mind is how can I avoid any mistakes from my end while raising a claim for these expenses? So, let's discuss what one should always keep in mind while raising a claim for these expenses:
- These expenses have a time frame given by the insurer. Exceeding the time frame of these expenses will result in rejection of claim from the insurer's end. Usually, for Pre-hospitalisation expenses, the insurer provides a coverage of upto 30 days and for Post-hospitalisation expenses, the coverage might vary from 45-90 days.
- Another misunderstanding while raising a claim for these expenses is that many times the insured raises a claim request for different expenses than what the patient was admitted for. Always ensure that you raise a claim request for these expenses in accordance for the hospitalisation that the patient was admitted for.
- This is a common issue while raising a claim request but please do ensure that you are uploading the correct documents on the Nova Portal and nothing is missing from your end in terms of documents disclosure. To order to view the list of documents required while raising a claim request for these expenses, please click here.
If you require any help or further assistance, kindly reach out to us at care@nova-benefits.com or 04049174207.