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 hospitalisation means medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home.

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 on account of non-availability of room in a hospital.

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.

Domiciliary Hospitalisation Benefit is not available for:

Following are the list of ailments or illness which are not covered under Domicilary Expenses

Asthma
Bronchitis
Chronic Nephritis and Nephritic Syndrome
Diarrhoea and all types of Dysenteries 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 act infection including Laryngitis and Pharingitis,
Arthritis
Gout and Rheumatism

Domiciliary hospitalisation in health insurance India is available. Lets 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.

Lets 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 Domiciliary hospitalisation in Health Insurance works?

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 if this feature is covered.

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 cost

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 them.
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 top insurance plans, like diabetes, hypertension, asthma, bronchitis, tonsillitis, etc.

Conclusion

Select the best Health Insurance plan covering hospitalisation expenses including Domiciliary treatment. And choose a suitable policy that helps you protect your savings.

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What is the Claim for domiciliary hospitalization meaning?

The claim for domiciliary hospitalization means a request to your health insurance provider for reimbursement of medical expenses for a patient who obtained medical treatment at home. Domiciliary medical reimbursement refers to the benefit of health insurance that covers medical expenses incurred at home.

How to claim domiciliary medical reimbursement?

Here are the steps to file a domiciliary medical reimbursement. You could follow the below steps for that, as per your insurance plan: <ul><li>Inform the insurance company about the treatment you are getting.</li><li>Offer the health insurance company all the necessary or relevant information, like a doctor's certification and medical records.</li><li>After that, submit a claim form and other necessary documents, like doctor prescriptions, invoices, medication bills, and others. Now, wait patiently for your health insurance company to verify the application and settle the claim.</li></ul>

What would be the maximum limit for domiciliary hospitalization?

Any medical expenses payable must not exceed 50% of the annual sum insured in aggregate. Also note that domiciliary hospitalization occurs for no more than 14 days.

What is Not Covered Under Domiciliary Hospitalization?

The domiciliary hospitalization is not covered below the following situations: pre- and post-hospitalization expenses; home treatment taken for below 72 hours.

How is the home care treatment different from the domiciliary hospitalization?

Home health care is a range of medical services or care provided to patients in the comfort of their homes. Domiciliary hospitalization is a medical treatment in which a patient gets care at home instead of in a hospital.