Health Insurance Provides Coverage Outside Of The Hospital As Well!

Health insurance plans provide cover not just for your hospital bills, but they also cover costs before & after hospitalization. They provide coverage for the cost of treatment at home as well. Read on to know more!


Healthcare today can be expensive. Hospitalization of any kind can cost you a lot of money and burn into your savings. This is why, buying a health insurance policy to protect yourself is a smart move. It will ensure you can forget about hospital bills and focus on getting back on your feet, quickly & with ease!

But, is that all there is to it? Not necessarily! The basic idea of a health insurance policy is that it would cover your entire hospital bill. However, did you know that you can also use it to cover expenses like doctor’s consultation fees, medical tests, ambulance charges, and recovery costs? This way, the use of a health insurance policy is not limited just to your hospital bed.

This is because, most of the better health insurance plans today provide pre- & post-hospitalisation coverage, whilst also offering compensation for domiciliary treatments. This article will explain these aspects to ensure you get the most out of your health insurance policy.

Pre-hospitalization expenses

It is not always the case that someone who falls ill immediately has to be hospitalized. With every illness, there is an initial round of medication and testing. However, most people make a health insurance claim only when they themselves or their loved ones have to be hospitalized.

But, did you know that the patient can also make a claim for most of the medical cost incurred prior to hospitalization as well?

That’s right, in most cases, insurance covers 30 days of expenses prior to hospitalization. Major expenses covered include blood tests, urine tests, and X-rays among many others. Some of the better insurance companies allow you to extend your pre-hospitalization cover to up to 90 days as well!

Post hospitalization expenses

If you know anyone that has been hospitalized, you would also know getting discharged from the hospital is not the end of the story. Even after leaving the hospital, there is a great degree of care required along with a number of processes that need to be followed.

For example, doctors may prescribe tests to take stock of recovery progress and medication will also have to run its course. These are just two of the possible heads of expenses post your discharge!

In such a case, the medical costs after your hospitalization ends will be covered by your health insurance policy. Similar to pre-hospitalization, the number of days covered depends on the insurance provider.

When it comes to post hospitalization cover, the average period of coverage is 60 days from the discharge date. Some of the leading insurance providers cover such expenses for up to 180 days post discharge.

The expenses covered post-hospitalization include diagnostic charges, consulting fees, and medicine costs among many more.

Domiciliary expenses

It’s quite the tongue twister – domiciliary - and chances are it’s one of this health insurance terms you’ve not come across before. The domiciliary cover of health insurance policies ensures that proper healthcare is delivered right at your doorstep. But, do you know what domiciliary hospitalisation is?

Imagine one of your family members is extremely ill. The first instinct you have is to take them to a hospital, especially if you have a good health insurance policy.

While it is just the instinct you should have, it may not be the right one. Why? Because your loved one might not be in the right condition to be taken to a hospital, in which case, domiciliary hospitalization brings the hospital to you.

A domiciliary treatment health insurance plan covers the expense of a situation where a patient has to be hospitalized at home. As long as you satisfy these conditions, you can claim domiciliary expenses on your policy:

  • The treatment is for an illness, injury, or disease for which hospitalization is generally needed.
  • The patient’s condition does not allow him/her to be shifted to a hospital.
  • The patient has to opt for treatment at home because of the unavailability of accommodation at the hospital.
  • The treatment has to last a minimum of three days.

While you may be familiar with the expenses of hospitalization, having treatment done at home may be uncharted territory. Hence, having the expenses of domiciliary hospitalization covered through a health insurance plan takes a large burden off your back and ensures you get expert care, without having to worry about the costs.

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