Explained: Pre and post-hospitalisation expenses in your health insurance policy

Explained: Pre and post-hospitalisation expenses in your health insurance policy

India is firmly in the grip of a second wave of the novel Coronavirus (COVID-19) pandemic. Maharashtra and its capital Mumbai are amongst the worst hit, much like the first wave. As hospitals overflow with patients, many are also grappling with the financial implications of doctor consultations and diagnostic test bills. Moreover, as with any other major ailment, COVID-19 treatment also involves significant expenses beyond hospitalisation. There have been cases of COVID-19 patients requiring medical care beyond the 14-day treatment and quarantine period. A regular health insurance policy typically settles the hospitalisation bill. But did you know that you can claim expenses incurred before admission and after discharge too? However, there are restrictions – not all expenses can be claimed, and settlement might not be cashless for you. Will my health insurance policy pay for COVID-19 RT-PCR tests done before hospitalisation? Yes. A health insurance policy foots the bill for diagnostic tests that are linked to the eventual hospitalisation. “All costs associated with an admissible hospitalisation including medical tests such as RT-PCR and investigations are covered as part of pre-hospitalisation …
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