Domiciliary Hospitalisation: Coverage and Benefits Explained

How Health Insurance Covers Domiciliary Hospitalization

What is Domiciliary Hospitalisation?

Domiciliary hospitalisation is a further significant benefit that a Health Insurance policy provides. Domiciliary meaning in health insurance refers to medical treatment taken at home when hospitalization would normally be required, making it an important benefit for patients who cannot be moved or when hospital rooms are unavailable.

Domiciliary hospitalisation is covered under the following circumstances  

The condition of the patient is such that he/she is not in a condition to be moved to a hospital, or 
The patient takes treatment at home due to the unavailability of a hospital room.

However, remember that your insurance company will cover Domiciliary hospitalisation expenses only if the patient has an active health plan and receives treatment for 3 or more days.

Also Check: Affordable Health Insurance Plans in India

Domiciliary Hospitalisation Benefit is not available for:

The following is the list of ailments or illnesses which are not covered under Domiciliary Expenses

• Asthma
• Bronchitis
• Chronic Nephritis and Nephritic Syndrome
• Diarrhoea and all types of dysentery, including Gastro-enteritis
• Diabetes Mellitus and Insipidus, Epilepsy
• Hypertension
• Influenza
• Cough and Cold
• All Psychiatric or Psychosomatic Disorders
• Pyrexia of unknown origin for less than 10 days.
• Tonsillitis and Upper Respiratory Tract infection, including Laryngitis and  Pharyngitis
• Arthritis
• Gout and Rheumatism

Domiciliary hospitalisation is available under health insurance in India. Let’s see the domiciliary hospitalization meaning. It denotes the medical treatment given to a patient in their home; otherwise, it would have been given in a hospital.

Let’s see a domiciliary hospitalisation in health insurance example here. If a patient is surviving in a coma, at that time, moving them to their home is usually recommended by the family and the hospital.

How does Domiciliary Hospitalisation in Health Insurance work?

If your Health Insurance plan covers Domiciliary Hospitalisation, your Insurance company will cover the cost of home health care just like they would for an in-patient hospitalisation.

It is recommended to note that Domiciliary Hospitalisation is not included by default in all Health Insurance policies. Therefore, while selecting a Health Insurance plan, you must check and ensure that  this feature is covered.

Also Read: Cardiac Care Insurance Policy

What are the benefits of Domiciliary Hospitalisation?

Star Health Insurance provides various Health Insurance Plans  with a Domiciliary Hospitalisation feature.

Domiciliary hospitalisation in health insurance costs

Domiciliary hospitalization in health insurance can cost based on the insurance policy and the expenses incurred.

Some domiciliary treatment lists can include the following expenses: doctor visits, prescribed medications, and nurses or therapists if needed by the treatment plan. Remember, not all health insurance plans cover the cost of these things on the Domiciliary treatment list.
 

Things to remember while buying domiciliary hospitalization in health insurance

• Not all health insurance policies cover domiciliary treatment; only some can cover it
• A few expenses or sub-limits on expenses might not be covered in the insurance plan.
• Pre- and post-hospitalization expenses are not generally covered.
• A few diseases are not covered under domiciliary hospitalization, in the insurance plans, like diabetes, hypertension, asthma, bronchitis, tonsillitis, etc.

Also Read: What is Health Insurance

Conclusion

Choosing a plan that includes domiciliary hospitalization in health insurance ensures that you are financially protected even when treatment happens at home instead of a hospital. Select a Health Insurance plan covering hospitalisation expenses, including Domiciliary treatment. And choose a suitable policy that helps you protect your savings.