Post-Hospitalization Care: Health Insurance Covers 60-180 Days, Here's How to Plan Beyond

Health insurance typically covers home nursing, physiotherapy, and oxygen support for a limited period after hospital discharge—usually between 60 and 180 days, subject to policy terms. This post-hospitalization coverage is a standard feature in many plans but comes with a strict time limit. Once this window closes, any ongoing care costs become the patient's responsibility. Financial advisors recommend building a dedicated emergency fund to cover potential expenses beyond the insured period. Options include setting aside a fixed monthly savings amount, exploring critical illness riders for lump-sum payouts, or considering a separate, longer-term care policy. Reviewing your specific policy document is crucial to understand the exact duration and conditions of your post-hospitalization benefits.