A worker’s compensation policy applies to bodily injury by accident or bodily injury by illness. To avail the benefit of this worker compensation insurance policy, it is important that the insured has undergone the bodily injury or accident during the policy period. A workmen compensation policy accounts for pre-hospitalization charges and the post hospitalization charges of the insureds. Read more
When a worker or an employee who is insured, is hospitalized for any injury or illness, the major part of the treatment is completed during his hospitalization period.
However, some part of the treatment extends after the period of hospitalization and discharge. There are some charges incurred after the patient is discharged from the hospital. Thus, the post hospitalization charges in a workmen compensation insurance policy include the charges that a worker or an employee incurs for regaining recovery against his illness or injury.
The post hospitalization charges in a worker compensation insurance may be determined by:
- Asserting the cause for the post hospitalization expense
- Determining the period in which these expenses were incurred after hospitalization of the person
Majority of the post hospitalization expenses incurred in a worker compensation insurance policy are:
- Medicines prescribed by the consulting doctor
- Follow-up-visits to the consulting doctor or physician
- Regular test needed to be conducted for monitoring the progress or the recovery of the patient
While determining the validity of the post hospitalization expenses, it is essential to determine whether the expense is payable according to the policy defined period. To recover the post hospitalization expenses the time limit is 60 to 90 days after hospitalization.
It is essential to understand that expenses related to therapies, like, acupuncture and naturopathy are not covered by insurance providers under post hospitalization expenses. Insurers will only cover for, diagnostic charges, consulting fees and medicine costs.
The insurers will require the following documents to cover the post hospitalization expenses incurred by the insured:
- Copy of the discharge summary with respect to hospitalization
- Any prescriptions given by the physician for investigations and medication purpose
- Bills for all the relevant medical prescriptions
- Bills for any relevant tests or investigation conducted
Ashish, a 34 year, individual worked in a service company. His job required him to work in shifts. During one of his general shifts, he slipped through the wet floor and injured his back severely. After being hospitalized his treatment began immediately. His reports showed that he had damaged his lumbar vertebrate. He was hospitalized for 15 days. Upon recovery, he was discharged from the hospital. However, he was prescribed various medicines and test by his consulting physician.
Ashish had to get routine check-ups done to investigate his recovery. He also had to take out an x-ray of his spinal cord to assess the recovery of the injury.
Ashish contacted his employer to get benefit from his workmen compensation policy. The insurers surveyed the matter and found that:
- Ashish was the permanent employee of the service company.
- He had slipped on the wet floor during his service hours
- Ashish informed the insurance company within the period of 60 days
- He provided the bills for his medical prescriptions as well as his x-ray examinations
- He provided the discharge summary with respect to his hospitalization
- He provided the bills for his follow-up-checks with the consulting physician
Since Ashish had adhered to all the requirements to get his post hospitalization coverage, the claim was settled by the insurers successfully.
If Ashish had also claimed for any other medical charges which did not deal with his back injury taken place in his working premises, he would not have got that benefit from the insurance company.
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