Most pte insurance does have pre and post hospitalisation coverage, but it is only valid for 90days at most.
If you are not a rich elite, it is not a good idea to make use of your employment coverage and opt for pte hospital.
I have tested that and I bleed and called for tolong. End up I needed to go polyclinic to get leeferal and continue my treatment with the 3rd world healthcare system. Most employment coverage is also leemited to $x Amt, especially the outpatient coverage, is far from suffice.