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1.0%First documentHospitalization Health Cover Plans | ManipalCignaOpen original ↗
Second documentHealth Insurance Plan to Cover Expenses Beyond Your Hospital StayOpen original ↗
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FAQs
Pre and post-hospitalization cover is generally included under most health insurance policies in India, and in most cases, you do not need to purchase the cover separately. However, you must check your insurance policy agreement, and if this coverage is not included as part of it, you can either choose a policy that includes this cover or purchase the cover as a separate add-on rider, by paying a little extra.
How many days before hospitalisation are covered?
Do all health insurance plans include pre-hospitalisation? Pre-hospitalisation cover is a part of almost every comprehensive health insurance in India, though the terms and periods are different. Always check your policy wording before purchasing.
What is the Meaning of Pre-hospitalization Expenses?
Pre-hospitalization expenses are those expenses that you incur before you are admitted into a hospital. Typically, when you fall ill, you first visit your family doctor, who may ask you to undergo a series of medical tests. Based on the test results, the doctor may advice you to visit a specialist, who may diagnose your condition and explain the course of treatment. In case your condition is severe, the specialist may suggest that you undergo hospitalization, and possibly, a minor or major surgery to help you recover from the illness.
Common Examples of Pre-Hospitalisation Costs
Pre-hospitalisation costs are associated with the medical care you obtain prior to being admitted to the hospital to get treatment. Such costs are required to diagnose and prepare and are normally paid in 30 to 90 days prior to admission, based on the policy.