There is no denying that health insurance is crucial for living a good life. Not only does health insurance coverage for emergency medical situations such as hospitalization, but it also allows for peace of mind through regular medical check-ups without burning a hole in your pocket. The process of choosing the right health insurance policy can be a daunting prospect, as there can be lots of confusing jargon written in the policy documents. This article aims to reduce the burden of understanding the complex terminology by simplifying one such concept – domiciliary hospitalization.
What is domiciliary hospitalization in health insurance?
Domiciliary treatment is a feature in health insurance that allows you to avail treatment at home due to any condition that limits or prevents you from being shifted into a hospital or medical facility. Domiciliary treatment can be provided at home in situations where the illness is severe. It poses physical limitations to the patient’s mobility or in cases where there are no hospital beds available. Domiciliary hospitalization is particular and does not consider alternative treatments such as Homeopathy or Ayurveda.
What are the inclusions in domiciliary hospitalization?
While some of the terms under domiciliary treatment are specific to the insurance company, treatments that last for more than 72 hours are usually included under this feature of health insurance. People who cannot be moved to a medical facility due to conditions such as paralysis or fractures can avail of this feature, and so can people who cannot find a hospital bed with an adequate treatment facility.
What are the exclusions in domiciliary hospitalization?
Treatments that last for a period of fewer than 72 hours are not included in domiciliary coverage. Another exclusion in this policy is the pre and post-treatment costs, which are not covered. Moreover, it only can be applied to specific illnesses or conditions. Diseases include epilepsy, hypertension, diarrhea, arthritis, colds and influenza, psychiatric disorders, pharyngitis, asthma, chronic nephritis, bronchitis, diabetes mellitus and insipidus, gout, rheumatism, tonsillitis, and upper respiratory tract are not included under domiciliary treatment. Since domiciliary treatment at home is not a typical case, this feature is not included in health insurance plans as a standard. Only some health insurance companies provide domiciliary treatment with specific criteria.
Things to remember when choosing a domiciliary plan
This type of coverage can work best in conjunction with family health insurance. However, you need to read the policy documents carefully. You can only take full advantage of them if you meet all the terms and criteria listed by your insurance provider. Moreover, the insurance company can accept or reject a claim based on discretion, so it is better to confirm it beforehand.
Health insurance by itself is a necessity in modern life, and domiciliary coverage can add immense value to it. It can be beneficial when purchasing health insurance for senior citizens, as they might need it the most. Read through the policy documents carefully to make an informed decision. 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.