The Medical Expenses incurred immediately before the Insured Person was Hospitalized is called as pre hospitalization expenses. The coverage for pre hospitalization benefits offered under Indian mediclaim insurance can vary from insurer to insurer. The below page helps insurance customers to quickly understand the differences and similarities of coverage under health insurance plans which offer pre hospitalization coverage.
Hospital Room Coverage
TATA AIG
  • Covered up to sum insured without sublimit for 30 days (can be increased to 60 days if Insured Person intimates 5 days prior to hospitalisation)
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Bajaj Allianz
  • Covered up to sum insured without sublimit for 30 days
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Reliance
  • HealthWise Standard: Covered up to sum insured without sublimit for 30 days
  • HealthWise Silver: Covered up to sum insured without sublimit for 60 days*
  • HealthWise Gold: Covered up to sum insured without sublimit for 60 days
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Max Bupa
  • Covered up to sum insured without sublimit for 60 days
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Apollo Munich
  • Optima Restore: Covered up to sum insured without sublimit for 60 days
  • Easy Health: Covered up to sum insured without sublimit for 30 days (can be increased to 60 days if Insured Person intimates 5 days prior to hospitalisation).
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Star Health
  • Medi Classic: Covered up to sum insured without sublimit for 30 days
  • Optima Restore: Covered up to sum insured without sublimit for 30 days
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Religare
  • Covered up to sum insured without sublimit for 30 days.
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Note:
No Sublimits:A limit for a subset of items that are collectively subject to a larger limit. For example, a limit on insurance claims for a specific item despite the fact that the overall policy has a higher limit.
Sum Insured:Means the sum shown in the Schedule which represents Our maximum liability for each Insured Person for any and all benefits claimed for during each Policy year, and in relation to a Family Floater represents Our maximum liability for any and all claims made by You and all of Your Dependents during each Policy Year.

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