Confused about your hospital cover when going to the emergency department? Many find themselves in this situation when receiving treatment. We’ve outlined two key elements you need to know when receiving treatment – are you an inpatient or outpatient?
Below we have defined the meaning of each and what you are covered with your private health insurance for:
Outpatient refers to a patient who has received medical treatment in a doctor’s surgery or emergency department and has not been admitted into hospital. In this instance you would not be covered by private health insurance. These services may be eligible to be claimed through Medicare; services include X-rays, blood tests and MRI’s.
Inpatient refers to a person who has been admitted to an approved hospital or day surgery facility and discharged following treatment. If you have been admitted as a private inpatient you will be able to claim benefits for the services listed in your chosen level of hospital cover.
So, next time you or a family member find yourself in the emergency department, hopefully not in the near future, you can feel comfortable knowing what benefits you can claim. Which will allow you to make an informed decision on the choice of treatment you would like to receive.
If you have any further questions regarding your hospital cover please don’t hesitate to contact us on 1800 813 415 to discuss.