When choosing a health insurance policy, many people focus only on hospitalization coverage. But what about the costs you incur before getting admitted or the ones that continue after discharge ?
Medical bills don’t begin or end in the hospital. You may need consultations, tests, medications, follow-ups, or therapies —all of which can significantly increase your out-of-pocket expenses.
This is where Pre and Post-Hospitalization Coverage plays a crucial role, especially in Niva Bupa (formerly Max Bupa) Health Insurance plans available through Quickinsure.
In this guide, we break down what’s covered, how it works, and which Niva Bupa plans offer the most comprehensive support—before and after hospitalization.
What Is Pre & Post-Hospitalization Coverage?
Pre-Hospitalization Coverage
Refers to medical expenses incurred before hospital admission , such as:
Doctor consultations
Diagnostic tests (e.g., X-rays, blood tests, ECG)
Specialist fees
Medicines
Investigative procedures like CT or MRI scans
This coverage typically applies for 30 to 60 days before hospital admission, depending on the plan.
Post-Hospitalization Coverage
Covers expenses incurred after discharge from the hospital for continued recovery and treatment, including:
Follow-up doctor visits
Physiotherapy
Medications
Post-op diagnostics
Medical equipment (in some cases)
Most plans offer 60 to 180 days post-hospitalization coverage, which is extremely helpful in chronic cases or surgeries.
Real-Life Example: How This Coverage Saves You Money
Let’s say Mr. Sharma undergoes gallbladder surgery:
Pre-Hospitalization (45 days before admission):
Surgeon consultation: ₹1,500
Ultrasound + blood tests: ₹3,000
Medicines: ₹800
Total: ₹5,300
Hospitalization :
Surgery + 3-day stay: ₹90,000 (covered under basic hospitalization)
Post-Hospitalization (60 days after discharge):
Follow-up visits: ₹2,500
Medicines: ₹4,000
Blood tests: ₹1,500
Total: ₹8,000
Without Pre/Post Coverage : Mr. Sharma would pay ₹13,300 extra from his pocket.
With Niva Bupa Plan via Quickinsure : All ₹13,300 gets reimbursed under pre and post-hospitalization clauses.
How to Claim Pre & Post-Hospitalization with Niva Bupa (via Quickinsure)
Here’s a simple step-by-step guide:
Step 1: Get Hospitalized for a Covered Illness
Only expenses related to the main hospitalization are covered. Ensure your admission is for a valid, claimable reason under the policy.
Step 2: Save All Medical Bills & Prescriptions
Keep digital and physical copies of:
Doctor notes
Test reports
Pharmacy bills
Consultation receipts
Physiotherapy bills
Step 3: Submit Documents Within the Claim Window
Claims must be submitted within 15–30 days after treatment completion.
Quickinsure’s support team helps with:
Document upload
Tracking the claim status
Following up with Niva Bupa’s in-house claim settlement
Important Terms & Conditions to Know
Linked to Hospitalization: Only expenses related to the same ailment that led to hospitalization are covered.
Fixed Coverage Period: Expenses outside the pre/post period (e.g., 65 days after discharge) are not covered.
Proper Invoices Mandatory: Claims without proper documentation may get rejected.
Must Be Medically Necessary : Coverage is for necessary treatment only, not for general wellness or elective care.
FAQs on Pre and Post-Hospitalization Coverage
Q1: Are COVID-related pre/post expenses covered?
Yes, if hospitalization is covered for COVID, the associated pre and post-treatment costs are reimbursed under your policy limits.
Q2: Can I claim OPD or teleconsultation under post-hospitalization?
If it is related to the covered hospitalization, yes . Some Niva Bupa plans even offer dedicated OPD coverage separately.
Q3: Do I need to notify the insurer before pre-hospitalization treatment?
No prior intimation is needed, but clear documentation connecting these treatments to the hospitalization is essential.
Why Buy Niva Bupa Plans from Quickinsure?
Quickinsure not only helps you compare Niva Bupa plans but also:
Ensures best premium rates
Gives access to policy PDF & eKYC instantly
Offers claim support via chat, call, or WhatsApp
Helps you renew or upgrade your policy smoothly
Final Verdict: Worth It?
Absolutely.
With medical inflation rising, pre and post-hospitalization coverage can save you tens of thousands of rupees.
Plans like ReAssure 2.0 , Health Recharge , and Health Companion from Niva Bupa offer some of the best durations (60–180 days) in the market. And buying via Quickinsure ensures ease, transparency, and lifetime assistance.
So don’t just look at “hospital bills”—cover the entire treatment journey, from first symptom to full recovery .
