3 Stages Of Hospitalisation
To make a claim, you do need to clarify which stage you are at. Each stage has different ways of making a claim.
Pre-hospitalisation
This will constitute an appointment with a medical practitioner that will lead to an eventual trip to the hospital. In other words, you are being referred and advised to head to the hospital for a surgery or a stay there. You are then able to claim the expenses of this appointment.
However, claims at this stage is on a reimbursement basis. Meaning, you have to pay the bills first and subsequently make a claim.
During hospitalisation
At this stage, you are either a patient having needed a surgery or a patient who is being warded at the hospital. Most times, you do need to fork out a single dime when you are getting discharged (depending on the hospital). But this will only work if the hospital knows or has been informed that you do have an H&S plan. With that, it is important to let the hospital staff be aware of this particular information.
Once the hospital staff is informed, the hospital and your insurer will liaise with each other on the information of the hospitalisation. Subsequently, the insurer will issue a Letter of Guarantee (LOG). This LOG is the very document as that will make you walk out of the hospital "free".
Few days or even weeks after the discharge, you will be sent a letter stating how much is the overall bill and also how much you do need to pay.
Post-hospitalisation
Follow-ups to the hospitalisation are basically what a post-hospitalisation constitutes of. So those physiotherapy or evaluation are claimable. Important note, same as the pre-hospitalisation, it is on a reimbursement basis. Pay first, claim later.
NOTE: Both Pre-hospitalisation & Post-hospitalisation have limits on the coverage period. It may be 90 days before admission for Pre-hospitalisation or perhaps 365 days after being discharged. Therefore, do take note of the timeline.
