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Having hospitalisation coverage saves you against overwhelming medical costs that can arise during unexpected hospital stays. It helps you focus on recovery rather than have financial worries.
Choosing a reputed name like Tata AIG Health Insurance for hospitalisation coverage is the best way to protect your finances. Additionally, you can also get maternity insurance along with hospitalisation coverage to safeguard your family’s unique growing needs.
In this article, we are going to understand hospitalisation coverage in detail.
What is a Hospitalisation Insurance Plan?
Insurance for hospitalisation is a coverage that provides financial support against the costs of hospital stays and medical treatment. It is like indemnity coverage that protects against any unanticipated medical costs.
This medical policy covers costs like hospital stays, specific surgeries, outpatient care, etc.
Most health Insurance policies in India cover hospitalisation expenses. It can be either a form of cashless treatment or reimbursement for treatment received.
Some health insurance policies offer both pre and post-hospitalisation coverage, ensuring you get comprehensive financial support for your unique medical care.
Features of Hospitalisation Health Insurance Coverage
1. Surgical Benefits
The surgical benefit is an essential component of hospitalisation coverage. This type of medical coverage ensures you do not face financial pressure due to expensive medical procedures.
This coverage may include your surgeon’s fees, anaesthesia, and hospital charges. Ensuring you have financial protection and access to necessary surgical care when you need it most.
2. Daily Cash Coverage
With daily cash benefits, you get financial support to cover daily expenses during your hospital stay and after. Through this coverage, you get a fixed amount to manage your daily costs, such as transportation, meals, and other miscellaneous expenses.
It acts like additional support you get over and above your medical expenses. This allows you to focus on your recovery without creating financial pressure.
3. Coverage for Pre-existing Conditions
Your hospitalisation coverage also protects against pre-existing illness if you fulfil the needed waiting period. You can be ensured that your health insurance policy has got you covered for any hospital visits due to your existing condition.
4. Ambulance Coverage
Ambulance coverage provides for the cost of transportation. Whether you need an ambulance for emergency or scheduled medical care, this coverage helps ease the financial burden related to these expenses. This ensures you get safely to the hospital without worrying about the cost.
Types of Hospitalisation Coverage
1. Daycare Hospitalisation Coverage
To avail of daycare hospitalisation coverage, you need not stay in the hospital overnight, i.e., 24 hours. This coverage covers the cost of medical tests, medicines prescribed, injections and follow-ups.
Some essential treatments include chemotherapy, sinus treatment and cataract surgery.
2. Pre and Post Hospitalisation Coverage
Usually, the expenses incurred before admitting you to the hospital, such as x-rays or blood tests, are covered under a health insurance plan. However, the number of tests covered depends on your specific plan.
Such expenses are known as pre-hospitalisation expenses, which cover tests done up to 30 days before your hospital stay.
Once you leave the hospital, the expenses incurred then, such as medicines and follow-up appointments are also covered to some extent. Usually, the coverage offered is 60 days after you’re discharged.
But you need to check your inclusive list as your coverage depends on the type of insurance you have.
3. In-Patient Hospitalisation Coverage
Now that we have covered pre and post-hospitalisation expenses, what about expenses when someone is admitted for more than a day?
The expenses related to treatment when you get hospitalised for more than a day are in-patient hospitalisation expenses.
This covers your doctor’s fees, room charges and even your ICU cost. So basically, the cost incurred during your stay in the hospital is covered.
4. Domiciliary Hospitalisation Care
This covers hospital expenses incurred when you need special medical care at home. This can be for injury or illness where you cannot get to a hospital; the coverage helps you with it.
Conclusion
When you buy hospitalisation coverage, you need to check the extent of coverage you are getting. Usually, the medical expenses are so much more than only the hospitalisation treatment you get when admitted.
There are expenses on your check-ups and medicine and various such related aspects. So make sure you understand you are up for peaceful and uninterrupted treatment with your health insurance policy.
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