There is no denying the fact that health insurance is crucial for living a good life. Not only does health insurance cover for emergency medical situations such as hospitalisation, it also allows for peace of mind through regular medical check-ups without burning a hole in your pocket. Having said that, 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. In this article, we aim to reduce the burden of having to understand the complex terminology by simplifying one such concept – domiciliary hospitalisation.
What is domiciliary hospitalisation in health insurance?
Domiciliary treatment is a feature in health insurance which 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 and it poses physical limitations to the patient’s mobility, or in situations where there are no hospital beds available. Domiciliary hospitalisation is very specific in nature and does not consider alternative treatments such as Homeopathy or Ayurveda.
What are the inclusions in domiciliary hospitalisation?
While some of the terms under domiciliary treatment are specific to the insurance company, usually, treatments which last for a period of more than 72 hours are 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 this feature, and so can people who cannot find a hospital bed with adequate treatment facility.
What are the exclusions in domiciliary hospitalisation?
Treatments which last for a period less 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 under it. Moreover, it only can be applied to specific illnesses or conditions. Illnesses such as epilepsy, hypertension, diarrhoea, arthritis, cold 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 regular 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 as you can only take full advantage of it if you meet all the terms and criteria as listed by your insurance provider. Moreover, the insurance company can choose to 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 especially useful when you are purchasing health insurance for senior citizens, as they might need it the most. Read through the policy documents carefully to make an informed decision about the same. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.