What is Domiciliary Hospitalization?: An Introduction
Domiciliary hospitalization refers to a medical treatment received at your home instead of a hospital.
Now the question is, why do you need a domiciliary hospitalization cover?
The major reason is that not everyone can afford an expensive hospital setting where getting treated can be a financially draining situation. Also, if the patient is unable to get admitted to the hospital or requires a homely surrounding with their loved ones, getting covered for domiciliary hospitalization works wonders. Recovery under home care becomes fast and easy, hence domiciliary hospitalization also helps you keep away from any hospital infections that might lead to severity.
This article discusses all the health insurance plans that provide domiciliary hospitalization, the benefits of the coverage, what it covers and the exclusions of domiciliary hospitalization coverage, etc. Read further to know more about the domiciliary hospitalisation elaborately.
Best Health Plans for Domiciliary Hospitalization
| Plan Name | Sum insured | Entry age | Coverage for domiciliary hospitalization |
|---|---|---|---|
| Niva Bupa Aspire | 3 L - 1 Cr | 18 years | Upto SI |
| Star Health Assure | 5 L - 2 Cr | 18 years | Upto forming part of SI |
| Aditya Birla Activ Health Platinum Enhanced | 2 L - 2 Cr | 18 years | Upto SI |
| ManipalCigna ProHealth Prime Protectd | 3 L - 1 Cr | 18 years | Upto 10% of S |
| Star Health Comprehensive | 5 L - 1 Cr | 18 years | Upto forming part of SI |
Key Takeaways
- Domiciliary hospitalization helps you get treated in the comfort of your home
- In case of the inability of the patient, domiciliary hospitalization coverage is a blessing
- Health insurance plans like Niva Bupa Aspire, Star Health Comprehensive, ManipalCigna ProHealth Prime Active, and so on cover domiciliary hospitalization
- The coverage period for domiciliary care is generally upto 15 days or a fixed percentage of the base sum insured.
How Does Domiciliary Hospitalization Work?
Here is the step-wise process of availing a domiciliary hospitalization coverage with your health insurance policy:
- Step 1: Diagnosis of the illness
Once an illness or disease is diagnosed, doctors will analyze the severity of the health challenge with the patient (insured member) and if it requires a domiciliary hospitalization.
- Step 2: Prescription for treatment
Once confirmed that domiciliary hospitalization is needed, doctors and medical experts will create an outline of medical interventions and the course of treatment, etc.
- Step 3: Insurer provides coverage
In this step, the insurance company will interfere with the intent of covering your domiciliary hospitalization expenses which will be settled on the specifications of policy terms and conditions.
- Step 4: Domiciliary treatment set-up
To facilitate the treatment procedure, the hospital administration under the insurer’s command will set up the necessary medical equipment such as nebulisers, oxygen cylinders, and so on.
- Step 5: Treatment at home
To avail of the domiciliary hospitalization cover, the patient will be assigned nursing staff or caregiver and all sorts of treatment facilitation, medical equipment, etc.
- Step 6: A follow-up routine
Once the treatment is done, doctors and medical staff take care of the patient followed by a check-up and other such necessary steps.
What Does Domiciliary Hospitalization Cover?
- Nursing and assisted walker
- Personalized medical care
- Doctor’s consultation fees
- Health check-ups
- Medication and medical equipment costs
What are the Exclusions of Domiciliary Hospitalization?
- Cosmetic surgeries, dental treatment, etc.
- Riots, nuclear wars, strikes, etc.
- Pre and post-hospitalization expenses
- Specified conditions such as epilepsy, diarrhoea, diabetes, asthma, psychosomatic disorders, etc
- A treatment that requires more than 72 hours of hospitalization
- Infertility or sterility treatments
- HIV/AIDS, STDs, and anything likewise
POV: There could be more exclusions under domiciliary hospitalization, for which you need to check through your policy’s documents carefully.
Connecting The Dots
Having a cover for domiciliary hospitalization with your health insurance policy is a blessing in disguise when you’re in a vulnerable situation. It protects you from financial outages and provides continuous support in times of medical emergency. If the patient is unable to receive treatment at the hospital due to any severity, domiciliary care will make sure that they are cared for well.
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