Health Insurance

Health Insurance: What Is Domiciliary Hospitalisation And Should You Opt For It?

Health insurance is a crucial safeguard against unexpected medical expenses, providing financial support during times of illness or injury. While most policies cover hospitalisation in medical facilities, there’s a lesser-known aspect of coverage that’s gaining attention – domiciliary hospitalisation. But what exactly is domiciliary hospitalisation, and is it something you should consider including in your health insurance plan?

Obtaining medical insurance is a crucial component of a person’s investment portfolio because the cost of medical care has increased significantly over the past few years.

Insurance companies pay for hospitalisation and also provide OPD health insurance, but they typically do not cover patient care provided at home.

What Does “Domiciliary  Hospitalisation” Mean?

The insurance company may reimburse the cost of treatment at the patient’s home, just like a hospitalisation cover, if the patient cannot be transported to a network hospital for various reasons—his poor health being one of them. ‘Domiciliary treatment’ is another name for this patient care provided at home.

When the health insurance plan offers this as an add-on cover, these costs might be covered. Alternatively, this could be included as part of the primary medical insurance policy for an additional fee. Claims are subject to terms and conditions set forth under the health insurance policy. *

How Does It Function?

Notably, a certificate from the treating physician endorsing this course of treatment is necessary for domiciliary treatment coverage.

Insurance companies may pay for home hospitalisation costs if a licensed healthcare professional prescribes it, the patient’s poor health makes it impossible to transport them to the network hospital, and the treating physician recommends home care because there are no available rooms.

Should You Decide To Do It?

It is crucial to remember that default insurance policies do not automatically cover hospitalisation at home.

It is advised to confirm whether this built-in feature is present in an insurance plan. If not, it is available to purchase as an add-on feature.

When assessing the domiciliary hospitalisation benefit, one must consider several things, including the insured sum, the prerequisites that must be met, the waiting period, inclusions, and exclusions.

Therefore, policyholders must research the treatments covered by domiciliary hospitalisation and, more importantly, the additional cost, if any.

Asthma, tonsillitis, upper respiratory infections, bronchitis, gout, arthritis, and rheumatism, as well as diabetes mellitus and diabetes insipidus, among other conditions, may not be covered by domiciliary hospitalisation.

Therefore, getting medical insurance cover for in-home hospitalisation is highly advised as it allows policyholders to receive timely care and simultaneously handle unexpected medical emergencies. Claims are subject to terms and conditions set forth under the health insurance policy.

Domiciliary hospitalisation is a valuable addition to health insurance plans, offering flexibility and support when traditional hospitalisation isn’t feasible. While it may not be needed for every individual, it can be vital for those with specific medical conditions or situations where receiving treatment at home is more suitable. Domiciliary hospitalisation is a safety net, ensuring you can access necessary medical care even in unconventional circumstances. When considering your health insurance options, it’s essential to evaluate your unique requirements and, if necessary, explore policies that offer domiciliary hospitalisation health cover for added peace of mind and comprehensive healthcare protection. *

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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