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  • What are Pre & Post Hospitalization Expenses?

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    Health insurance not only entails medical expenses during medical emergencies, but also encompasses pre and post hospitalization expenses. It is common knowledge that when an individual is hospitalised, he or she undergoes several tests in addition to taking medication, both of which are covered by most of the health insurance policies.

    Pre-hospitalization Expenses:

    Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Doctors/physicians conduct a slew of tests to accurately diagnose the medical condition of a patient before prescribing treatment. It is important to note that the number of days which are covered, tends to vary depending upon the type of health insurance provider. However, in most cases, charges incurred by an individual 30 days prior to his or her admission to any hospital fall within the ambit of pre-hospitalization expenses. For instance, several tests such as blood test, urine test and X-ray among others are categorised as pre-hospitalization expenses.

    Pre-And-Post-Hospitalization-Expenses

    Post hospitalization Expenses:

    Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized. For instance, the consulting physician may prescribe certain tests to ascertain the progress or recovery of a patient. It is important to note that the number of days which are covered tends to vary depending upon the type of health insurance provider. . However, in most cases, charges incurred by an individual for 60 days from the discharge date comes under the ambit of post hospitalization expenses. Expenses related to various therapies, namely, acupuncture and naturopathy are not included by insurance providers in the category of post hospitalization expenses. However, diagnostic charges, consulting fees and medicine costs are covered.

    An individual can claim both pre and post hospitalization expenses upon submission of original bill receipts and relevant copies of doctor’s certificate and discharge summary. Policyholders should have detailed knowledge of the list of inclusions in their health insurance policies to avail of the maximum benefits from them.

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    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Pre & Post Hospitalization Expenses Reviews

  • Page 1 of 50 1 2 3 4 5
    • Cigna TTK Health Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have chosen Health insurance with Cigna TTK. They provided me a cashless facility and reimbursement for my doctor bills. I have taken the policy for my entire family. I pay yearly 10K as a premium through ECS. The claim experience is excellent and the reimbursement was immediate. The policy coverage for me is 5L and rest of family members is 3L. They have more network of hospitals but they pay more attention on the medical bills.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a health insurance for my family with Apollo Munich. My experience is good. Due to some reason, I was unable to pay the premium. The policy has been lapsed. I have paid 12K for a year. The payment mode is net banking. The policy coverage was 5L. It was covering almost all diseases, If I use even 5L at one time again they will provide 5L which was very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using HDFC ERGO health insurance for while , I never had any claim experience with the policy. I will have to wait and see how they respond to their claim requests in future, overall service was good it cover accidental policy and they charge nominal premium amount.
      Was this review helpful? 0
      , anantapur
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my health insurance with Star health insurance,there premium they charge is nominal only i use to pay my premium amount on monthly bases and it use to get auto debited with my bank account and they have explain me all policy which is cover in this policy clearly, till now i did not face any issue with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my salary account from STANDARD CHARTERED bank there service is very good they provide me they don't charge me unnecessarily and they use to update me time to time about this offers. There use to serve me 24/7 whenever i call they assist me very well.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a company provided health insurance with Reliance, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. This policy has a coverage value of Rs 4 lacs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
    • ICICI Lombard Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my health insurance with ICICI lombard from past 1 year, the premium i pay on yearly bases up to 9000 rupees it was nominal for me and i use to pay through on line and there customer service was good they explained me all policy clearly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 15, 2018
    • review Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with IFFCO TOKIYO , i dont pay premium the company directly pay on my behalf so i dont know how much i need to pay insurance and this insurance include accidental policy and it has got tie up with various hospitals.
      Was this review helpful? 0
      , dariba
      Reviewed on Nov 14, 2018
    • ICICI Lombard Health Insurance
      "Good card"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with ICICI LOMBARD , i pay premium on monthly bases and till now i have not utilized this insurance ye so i have no idea how it will work and i use to my premium through on line and so far service was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • Religare Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I have taken health insurance through online portal, the medical value is fine. They gave me Rs. 5 lakhs for health coverage. The service is good the documentation process was very smooth and I got my card on time. Religare health is providing cash less hospital because they have good networks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with HDFC ERGO , i have not opt there policy yet and i use to pay premium on monthly bases up to 400 rupees and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 14, 2018
    • National Insurance Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      This insurance policy has been taken through the company which i am working, the premium amount has been taken every month and it was a good service which they had been making so far. I had two times availed the claim through them and the method in getting the claim has also been good.
      Was this review helpful? 0
      , gandhidham
      Reviewed on Nov 14, 2018
    • HDFC Ergo Health Insurance
      "Recommendble Top up policy"
      0.5 5.0/5 "Blown Away!"
      I have done health policy top up with HDFC Ergo, the customer service is also very good. There is no processing fee for the top up, they gave me the medical amount Rs. 12 lakhs for entire family its for 3 person, I don't have claim experience. They are covering major or minor but for waiting period for pre existing is three years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • Oriental Insurance Health Insurance
      "Need to improve on the coverage"
      0.5 4.0/5 "Great!"
      One of my friend have suggest this company, the medical coverage value is low around Rs. 3 lakhs then I have top up with HDFC Ergo. But Oriental insurance have tie up with many hospital in Hyderabad, I got my medical card on time, I need to approach through paper.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I already a health insurance with HDFC Ergo. I am satisfied with the benefits. The policy coverage is one year. It covers only minor disease. There is no claim experience. They provide a good network of hospitals for the cashless treatment. I don't get any reminder call for the policy renewal.
      Was this review helpful? 0
      , panipat
      Reviewed on Nov 13, 2018
    • National Insurance Health Insurance
      "Very low premium policy"
      0.5 4.0/5 "Great!"
      I have not used the health insurance for any kind of claim services. The health insurance policy from National has been issued from my organization. I have called the customer care service for a normal enquiry and the response was good. They have given me a coverage value of Rs. 5 lakhs and all the family members of mine is included in this policy.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • Royal Sundaram Health Insurance
      "Good Experience"
      0.5 4.5/5 "Excellent!"
      I have two claim with Royal Sundaram, it was hassle free. I need to submit few documentation the process was quick. I got the reimbursement I didn't get the cash less hospitalization. On my nearest place there is no hospital which they got tie .
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • New India Health Insurance
      "Good Health Policy and providing good reimbursement"
      0.5 5.0/5 "Blown Away!"
      My company provided New India vidol ttk medical card with the coverage Rs. 1 lakh they are providing cash less hospitalization. The policy activation is very good, I have submitted normal documents two times I used my policy for health issue and for my wife's delivery, I received 100% of reimbursement amount within 15 days.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 12, 2018
    • Cigna TTK Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had a health insurance with Cigna TTK and now moved to new insurer. They provide a cashless treatment in good hospitalization. I have not gone for claim process. The medical coverage is good and don't know about the cashless. I paid around Rs.5500 for a one year.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • National Insurance Health Insurance
      "Very easy to get a claim"
      0.5 4.0/5 "Great!"
      My employer has provided me a health insurance with National Insurance. They have given the health insurance policy for my family also. I have got the coverage amount of Rs. 29 lakhs and the chained hospitals list was good. In ten days, i have got my claim settlement. They are providing a cashless treatment facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
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