Health insurance plans typically cover diagnostic expenses under specific categories. Here are the most common inclusions:

• Pre- and post-hospitalization diagnostic tests: Many plans reimburse diagnostic charges incurred during the pre-hospitalization period (usually up to 30 days before hospital admission) and post-hospitalization period (up to 60 days after discharge). For example, if your doctor prescribes an MRI scan before surgery, the cost is likely covered under pre-hospitalization benefits.
• In-patient diagnostic tests: Tests conducted during hospital stays are generally covered entirely under in-patient benefits. These include blood tests, imaging scans, and other diagnostics required as part of your treatment.
• Daycare procedure diagnostics: Daycare procedures, such as minor surgeries or treatments requiring less than 24 hours of hospitalization, often include diagnostic tests. These charges are typically covered under health insurance plans.
• Policy benefits tied to diagnostic tests: Health insurance plans facilitated by Bajaj Finserv offer comprehensive diagnostic test coverage. For instance:
  • Premiums start from Rs. 9.3/day*, making it affordable for individuals and families.
  • Sum insured ranges from Rs. 10 lakh to Rs. 50 lakh, ensuring adequate coverage for medical expenses.
  • Cashless treatment is available across 10,000+ hospitals, reducing out-of-pocket costs for diagnostic tests and treatments.

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Disclaimer: *T&C Apply. #Insurance premium indicated is for healthy male aged 18 years and is exclusive of tax. 

Understanding pre-hospitalization coverage

Yes, diagnostic expenses incurred during pre-hospitalization are often covered under health insurance plans. However, specific conditions may apply:

• Diagnostic tests must be prescribed by a medical professional.
• The tests should be directly related to the illness or treatment leading to hospitalization.
• Coverage typically extends to tests conducted up to 30 days before hospital admission.

Real-life scenarios

Consider this example: You are scheduled for surgery, and your doctor prescribes an X-ray and blood tests as part of pre-operative preparation. Under most health insurance plans, these diagnostic expenses would be reimbursed as part of pre-hospitalization coverage.

Product-specific advantages

Bajaj Finserv enables access to health insurance plans that cater to individual needs. These plans offer comprehensive diagnostic charge coverage, ensuring you are financially supported during medical treatments.

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To minimise diagnostic expenses, consider the following:

• Choose plans with comprehensive coverage: Opt for policies that include pre- and post-hospitalization diagnostic tests, in-patient diagnostics, and OPD-specific coverage.
• Family floater plans: If you are insuring your family, select a family floater plan to cover diagnostic charges for all members.
• Critical illness policies: For conditions requiring frequent diagnostics, critical illness plans can provide additional financial protection.

Tax-saving opportunities

Health insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act. By investing in a plan with diagnostic test coverage, you can save on medical expenses and reduce your tax liability.

Tools for better decision-making

Use resources like BMI calculators provided by Bajaj Finserv to assess your health needs and choose the right insurance plan. These tools help you align your policy choice with your budget and health requirements.

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Conclusion

Understanding diagnostic charge coverage in health insurance is essential for managing medical expenses effectively. Whether it is pre-hospitalization tests, in-patient diagnostics, or OPD-specific coverage, knowing what your policy includes can save you from unexpected costs.

With Bajaj Finserv, you can access health insurance plans that offer comprehensive diagnostic test coverage, affordable premiums starting at Rs. 9.3/day, and cashless treatment across 10,000+ hospitals.

Compare and choose the right health insurance plan today to ensure you are financially prepared for medical expenses.