Hospitalization is an unexpected event that can affect one’s finances considerably. Medical expenses in a hospital can be very high, and therefore it is crucial to check if your insurance policy covers hospitalization expenses.

In case you require hospitalization, before or after, understanding your medical insurance contract is crucial. In this article, we will discuss the expenses that are covered before and after hospitalization in your contract.

Expenses covered before hospitalization

Before hospitalization, some expenses may be covered by your medical insurance policy. Here is a list of possible expenses covered before hospitalization:.

Diagnostic tests and doctor consultations

Several medical insurance policies cover the cost of diagnostic tests such as X-rays, MRI’s, and CT scans, along with doctor consultations.

Before getting admitted to a hospital, your doctor may advise you to undergo certain investigations to determine the cause and treatment plan for your illness. These costs could be covered by your medical insurer.

Pre-hospitalization expenses

Sometimes, patients are required to undergo some medical treatment before getting hospitalized. In such cases, pre-hospitalization expenses could be covered under medical insurance policies.

These expenses could include prescription medication, diagnostic tests, and doctor consultations. Ensure your medical insurance policy covers such costs.

Room rent charges

Before getting hospitalized, patients may be admitted to a room for further clinical investigations. If your doctor recommends such admission, medical insurance policies could cover room rent charges.

Expenses covered after hospitalization

After hospitalization, patients require further medical care and attention. In such cases, patients have to incur additional expenses, including:.

Post-hospitalization expenses

Post-hospitalization expenses include prescribed medication, rehabilitation, and medical consultations.

Some insurance policies offer post-hospitalization benefits like prescribed medication coverage, ambulance charges, and follow-up consultations which could be claimed against the medical insurance policy. Ensure your medical insurance policy covers all post-hospitalization expenses.

Medical equipment expenses

In case of severe illness, patients may require medical equipment such as a wheelchair or an oxygen concentrator post-hospitalization. Some medical insurance policies cover the cost of medical equipment post-hospitalization.

Make sure to enquire about the same before availing of medical care.

Nursing expenses

Patients may require nursing care post-hospitalization, especially in case of severe illness or recovery from surgery. Medical insurance policies cover nursing expenses to some extent, usually for a limited number of days.

Ensure your medical insurance policy covers nursing expenses post-hospitalization.

Conclusion

Knowing the expenses covered before and after hospitalization is crucial when it comes to availing medical care. Insurance policies have their terms and conditions, including expenses and coverage.

Understanding your medical insurance policy and its coverage will help you avoid unexpected expenses. Always ensure that you read and understand your medical insurance policy carefully. Ultimately, the goal should be to avail the best medical care and ensure financial security for yourself and your family.