A
amaster
Member
what is the difference between in-patient and out-patient services, costs etc?
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C
Charlie
Member
I think in-patient costs are just the costs incurred by patients who have actually been admitted to hospital.
Out-patients are the ones who go into hospital for day visits.
Read through Chapter 4 P4,5 again as this is consistent with what it says there.
Out-patients are the ones who go into hospital for day visits.
Read through Chapter 4 P4,5 again as this is consistent with what it says there.
B
bystander
Member
Charlie is right. The 'in' part always involves an overnight stay - could just be a one-nighter or longer.
What becomes a more grey area is whether any follow-up treatment on an out patient basis could be covered under a contract.
I suppose too you could get re-admitted for follow on procedures and how that affects claims could also be a consideration.
What becomes a more grey area is whether any follow-up treatment on an out patient basis could be covered under a contract.
I suppose too you could get re-admitted for follow on procedures and how that affects claims could also be a consideration.
B
b_colgan
Member
A simple rule of thumb is you're an in-patient if you have to stay in hospital and an out-patiend if you don't.
People stay in hospital for many different reasons but the main ones being to have surgery and recover afterwards. People visit hospitals on an out-patiend basis to have simple procedures done (e.g. laser eye-surgery, change a dressing) or when having a meeting with their consultant.
In-patient care costs more because of the higher costs associated with staying in hospital plus the stay itself would trigger a Hospital Cash benefit to be paid if applicable.
The main issue is that some benefits might only be paid if the condition can be treated on an out-patient basis or follow up care from an in-patient stay might only be provided on an out-patient basis.
I don't think there's any hard and fast rule about what is covered and on what basis. I guess you'd have to read the particular product guide.
Hope this helps!
People stay in hospital for many different reasons but the main ones being to have surgery and recover afterwards. People visit hospitals on an out-patiend basis to have simple procedures done (e.g. laser eye-surgery, change a dressing) or when having a meeting with their consultant.
In-patient care costs more because of the higher costs associated with staying in hospital plus the stay itself would trigger a Hospital Cash benefit to be paid if applicable.
The main issue is that some benefits might only be paid if the condition can be treated on an out-patient basis or follow up care from an in-patient stay might only be provided on an out-patient basis.
I don't think there's any hard and fast rule about what is covered and on what basis. I guess you'd have to read the particular product guide.
Hope this helps!