Imagine waking up feeling dizzy, visiting your doctor, and undergoing several tests like blood work and an MRI before being admitted to the hospital. These pre-hospitalization tests and diagnostics can add up fast, sometimes costing even more than the hospital stay itself.
For example, let's say your hospital bill is ₹10,000, but your tests and scans before admission cost ₹15,000. You might expect your health insurance to cover all these expenses, but many policies don’t include pre-hospitalization costs, leaving you to pay them out of pocket.
Similarly, after you’re discharged, doctors often recommend follow-ups and medicines—this is the post-hospitalization phase. These costs can also be significant.
That’s why it’s wise to choose a health insurance plan that covers both pre and post-hospitalization expenses, typically for 30 to 60 days before and after your hospital stay. This ensures you’re covered not just for your time in the hospital but also for the important tests and care that surround it.
By picking a policy with this feature, you avoid unexpected bills and get comprehensive support throughout your treatment journey. It’s a small detail that can make a big difference when you need care the most.