Does Insurance Cover Kidney Infection Hospitalisation?

Kidney infection is a type of urinary tract infection (UTI) that requires immediate medical treatment to prevent further damage to the kidneys. A standard insurance policy covers kidney infection, providing adequate financial support during hospitalisation for treatment. Read on to learn about the hospitalisation coverages available under the insurance policy.

What Hospitalisation Coverages are Available under Kidney Infection Insurance?

A kidney infection insurance plan covers the following hospitalisation expenses for the patient, so they can experience a worry-free treatment:

Pre-Hospitalisation Expenses

These include the expenses that the patient has to pay for before they get admitted to the hospital for proper treatment. Usually, they include diagnostic test costs, medicine bills, and doctor consultation charges. Costs incurred up to 60 days before hospitalisations are usually covered by the policies.

Inpatient Hospitalisation Cost

Inpatient hospitalisation includes all the nursing, food, medical checkups, and other necessary facilities that the patient avails during their stay in the hospital. These stays usually last for more than 24 hours and include surgical or medical treatment.

Post-Hospitalisation Costs

Post-hospitalisation services include follow-up doctor consultations, surgery medications, and the tests that doctors prescribe after releasing the patients from the hospital. Usually, insurance coverages are available for post-hospitalisation expenses that are 180 days from the date of discharge from the hospital.

ICU and Room Rent Charges

ICU charges, room rent and shared accommodation expenses can be quite high, especially if the patient requires an extended stay in the ICU. These costs can significantly increase the overall treatment expenses.

AYUSH Treatment Expenses

Health insurance policies for kidney diseases may provide coverage for approved treatments taken at recognised AYUSH hospitals or healthcare centres, subject to the policy terms and conditions.

Emergency Ambulance Charges

Road and air ambulance service costs are covered up to a specified limit mentioned in the policy. This ensures seamless transportation of patients from home to hospital or from one hospital to another.

Daycare Procedure Costs

Medical procedures that last for less than 24 hours in a registered hospital are included under daycare procedures. Insurance policies for kidney infection also offer coverage for these expenses.

What are the Hospitalisation Benefits of Kidney Infection Insurance Policy?

Aside from the coverages, there are several benefits that patients can get during hospitalisation as per the policy terms. These include:

Availability of Hospital Cash

Policyholders are eligible for various cash allowances as per the insurance plan terms during their stays in the hospital.

Automatic Restoration of Sum Insured

Upon the exhaustion of the sum insured during kidney infection treatments, insurers offer their auto restoration.

Domiciliary Hospitalisation Coverages

If a patient is unable to travel to the hospital due to their current medical condition, the policy also covers the treatments taken at home.

Final Thoughts

Delays in kidney infection treatment can prove to be life-threatening. Hence, it would be prudent to immediately go for treatment upon getting diagnosed with the condition. Furthermore, the availability of hospitalisation coverage under insurance eliminates all the financial worries during the entire treatment journey.