WHAT IS DOMICILIARY HOSPITALISATION IN HEALTH INSURANCE

Introduction

When it comes to health insurance, we have the benefit of Domiciliary hospitalisation under many plans. Now, a question ponders in our minds, what is Domiciliary hospitalisation and how does it work?Domiciliary hospitalisation is actually a situation where an individual is receiving medical treatment at their home itself. Simply put, it means someone hospitalised and nursed at their home. Now, when would one be hospitalised at home? In cases where the medical condition of the insured is such that it prevents them from being moved to a hospital or due to lack of availability of the infrastructure at a hospital or even in case of non-availability of hospital beds and any required medical equipment, an individual opts for Domiciliary hospitalisation option under health insurance.

Why Domiciliary hospitalisation is necessary?

There are certain conditions which require continuous hospitalisation of an individual which cannot be possible or even preferable in most cases. For instance, if a minor requires continuous medical treatment and hospitalisation, the parents may not be comfortable staying at a hospital for an extended period. Likewise, if any elderly is in need of hospitalisation due to any medical condition or accidental injury that can be treated at home, it will be preferable having them cared for at home rather than in the limits of a hospital room. Thus, the facet of domiciliary hospitalisation in health insurance proves beneficial in such cases.It is essential to understand all the terms of health insurance policiesas some plans may or may not cover for voluntary domiciliary hospitalisation to provideany patient with expenses security for bed and other necessary facilities required.

 

How does Domiciliary hospitalisation work?

If you have chosen the feature of Domiciliary hospitalisation in your health insurance plan then the cost of treatment gets covered similar to a regular hospitalisation. The insurance company shall reimburse the costs of Domiciliary hospitalisation once you file the domiciliary claim.It is advisable to opt for Domiciliary hospitalisation feature in your health insurance plan only if it is needed as it is considered as an additional Add-on and you will be charged for employing it. Domiciliary hospitalisation helps to be ready for uncertain situations, provides flexibility of treatment and prevents further medical issues by delivering immediate treatment at home.Domiciliary hospitalisation covers for all the medical expenses due to the treatment of an injury or illness at home, which would otherwise require hospitalization.

 

Domiciliary hospitalisation benefit on health insurance

The Domiciliary hospitalisation benefit generally takes a certain time from claim to receipt of the reimbursement of domiciliary expenses. Keep in mind to make sure that the sum insured for Domiciliary hospitalisation is part of the sum assured within your health insurance policy. It is also important to check that the specific conditions are fulfilled to avail of the benefit of Domiciliary hospitalisation. While choosing the plan that suits you best for Domiciliary hospitalisation evaluate the waiting period for specific medical conditions and diseases, review the inclusions and exclusions, and consider the added cost and validity of the feature to reach a wise selection. Always ensure your documents for availing the feature are in place and you are fully aware of the process of the entire Domiciliary hospitalisation including its timeline and claim settlement. Remember, not all health insurance plans cover for Domiciliary hospitalisation or have limitations to treatments permissible like for instance, allopathic, homoeopathic, and ayurvedic treatments.Usually, most Domiciliary hospitalisation does not cover for treatment including asthma, bronchitis, epilepsy, chronic nephritis, cough, hypertension, cold and influenza, chronic nephritis, and nephrotic syndrome, gout, arthritis, diabetes mellitus and insipidus, tonsillitis, pharyngitis, rheumatism, upper respiratory tract infection and psychiatric disorder.Apart from the medical expenses preceding and succeeding Domiciliary hospitalisation, look out for additional benefits of ambulance cover, health check-ups, day-care procedures, travel for your family members and the cumulative bonus benefit.

 

Conclusion

Domiciliary hospitalisation is a valuable feature while selecting a health insurance plan as the future is undefined and medical emergencies can be unpredictable. With such coverage you can get the financial security you aim for and have a stress-free time ahead.

 

FAQs – Frequently asked questions.

Let's take a look at some frequent queries on Domiciliary hospitalisation in health insurance;

 

Q1. Is Domiciliary hospitalization open for anyone?

Yes, Domiciliary hospitalization is open for anyone who needs it however it depends on type of plan and its inclusions. Most health insurance plans do cover for Domiciliary hospitalization at an additional cost.

 

Q2. Does all type of treatments get covered under Domiciliary hospitalization?

Yes, Domiciliary hospitalization covers for all treatments however, again it depends on the insurance provider as well as the plan chosen.

 

Q3. Is there any waiting period for Domiciliary hospitalization?

No, there is generally no waiting period for Domiciliary hospitalization feature under health insurance.

 

Q4. Is there a specific limit for Domiciliary hospitalization?

There is no specific limit for Domiciliary hospitalization however, the span of treatment depends on the insurance plan chosen and the insurer terms as well.

 

Q5. Is Domiciliary hospitalization applicable only to senior citizens?

No, Domiciliary hospitalization is not just applicable to elderly or senior citizens but differs from plan to plan and insurer to insurer.

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