No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to 75k | Buy Health Insurance starting @ ₹244 pm
Post-hospitalisation expenses are the charges and fees you paid during a defined number of days, soon after the discharge from the hospital. Various diagnostic charges, consulting fees and medicine costs are covered under these post-hospitalisation expenses. The cost of hiring an attendant or nurse to take care of the patient after discharge from the hospital is termed as nursing expenses. Suppose you meet with an accident and are advised bed rest for 30 days. Now, you may have to hire an attendant to take care of you. That person may charge a particular amount per day for 30 days. The total amount you paid the attendant in these 30 days is considered as nursing expenses.
When you buy a health insurance policy, the following expenses are generally covered under it:
Emergency services
Hospital expenses like surgery
Ambulance service
Maternity and new-born care
Prescription drugs
Mental health and substance use disorder services (inclusive of counseling and psychotherapy)
Habilitative and rehabilitative services and devices
Pediatric services
Preventive and wellness services and chronic disease management
Laboratory services
Post-hospitalisation services
This would differ from policy to policy.
When you buy a medical insurance policy, it covers the hospital and post-hospital expenses incurred for a defined number of days. This varies from one health insurance provider to another. If the hospital costs are for the same medical condition for which the insured individual was hospitalized, then the hospital charges incurred in a specified period is payable by the insurance company. The insurance company also admits the in-patient hospital costs claim.
You can claim the nursing expenses only if your health insurance provider has added nursing expenses in the post-hospitalisation expenses. Usually, medical insurance policies cover post-hospitalisation expenses related to consultation fees, diagnostic charges and medicine costs. But, if your insurer has added nursing expenses under the category, you can claim these expenses by submitting the original bills, doctor’s certificate, and a discharge summary to the insurer.
Usually, a medical insurance policy covers all the medical treatments recommended by a doctor. But, there might be a few exceptions in certain cases. If you have a test or treatment where hiring an attendant is necessary, the expenses of hiring an attendant or nurse may not be covered by your insurance policy. Such a situation can lead to ‘rejection of the claim’. Majority of the cases are subjected to this situation since many insurers don't cover nursing expenses. However, with the right to appeal the decision, you can still pursue your insurance provider to cover the expenses. Before that, you have to make sure that you are acquainted with the appeal process of your insurance company. The process will be discussed in your plan handbook.
It is always wise to be well-versed with your medical insurance policy to avoid the occurrence of such situations. Read the fine-print of the insurance policy thoroughly and ask necessary questions to your insurer while buying a health insurance. It is best to be well-acquainted with the policy coverage and claim process as that will help you in future.
You can claim nursing expenses under the medical policy only if your health insurance provider covers it under post-hospitalisation expenses.
Yes, the majority of the health insurance providers cover ambulance service charges under the medical policy.
Post-hospitalisation expenses are the charges and fees you paid during a defined number of days, soon after the discharge from the hospital. Various diagnostic charges, consulting fees and medicine costs are covered under these post-hospitalisation expenses.
You can look for an insurance policy that not only suits your medical needs but is also within your budget.
Yes, you can opt for health insurance that covers mental health.
I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!
My husband and I will finally move into our own house this Diwali. All thanks to Bajaj Finserv, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!
Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!
The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premia!
I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!
Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!