Domiciliary Hospitalization Meaning in Health Insurance
- The treatment is for an injury, illness or disease for which hospitalization would be important in normal circumstance
- The condition of the insured patient doesn’t allow them to be shifted to a nursing home or hospital
- The insured patient had to avail treatment at home due to the unavailability of accommodation at the hospitalization
What is a domiciliary hospitalization?
Nov 25, 2021 · Domiciliary hospitalization is a benefit that can be availed under a health insurance plan by the policyholders, when the insured person receives treatment at home. Under this plan, the medical treatment received at home of the individual is also considered as a hospitalization, and the health insurance provider offers financial compensation to the people …
What does domiciliary insurance cover?
Dec 29, 2020 · Domiciliary hospitalization or home health care is a treatment option where the individuals take medical treatment at home, as their general condition prevents them from shifting to the hospital. Taking treatment at home due to lack of admission beds in a hospital can also be covered under domiciliary hospitalization and the condition also is accepted by …
What is not covered under domiciliary hospitalization?
Aug 18, 2021 · Know more about domiciliary hospitalisation in health insurance Domiciliary hospitalisation or home-based treatment is a situation in which a person suffering from a disease, illness or injury receives hospital-like treatment at home.
How do I claim for domiciliary hospitalisation?
Feb 09, 2022 · Understanding the domiciliary hospitalisation meaning can be a bit tricky. It involves a situation where the medical expenses are covered by a health insurance policy …
Do all health insurance policies offer domiciliary hospitalisation as a built-in feature?
All health insurance policies may not offer domiciliary hospitalisation as a part of the base policy. Some might require you to purchase it as an a...
Can I avail domiciliary hospitalisation just for a day?
Usually, there's a minimum requirement regarding such a cover with respect to the number of days/hours the insured patient needs to be placed in th...
Can AYUSH treatments be availed of under domiciliary hospitalisation?
Generally, AYUSH (Ayurveda, Yoga, and Naturopathy, Unani, Siddha and Homoeopathy) treatments are not covered under domiciliary hospitalisation. It...
Purpose of Domiciliary Hospitalization
The main purpose of domiciliary care is to offer convenience for individuals to get treated at home, at times of difficult situations. Insurance providers who offer this additional cover also have certain illnesses, as their exclusion criteria for which coverage is not provided.
Points to Remember While Choosing Domiciliary Hospitalization Cover
Some important points to remember while choosing the domiciliary hospitalization cover are:
Final Words
People seeking health insurance at an older age and those who take family health insurance with seniors at home can include a domiciliary hospitalization rider in their plan. But seeking treatment in a hospital is always beneficial as the facility will have all the latest equipment to handle any medical emergency.
Know more about domiciliary hospitalisation in health insurance
Domiciliary hospitalisation or home-based treatment is a situation in which a person suffering from a disease, illness or injury receives hospital-like treatment at home. Here are some situations when the treating medical practitioner may advise domiciliary hospitalisation for patients:
What type of coverage is available under domiciliary hospitalisation?
Insurance companies offer two types of coverage under domiciliary hospitalisation, which you should know before buying a health insurance policy online. These are:
5 things to know about domiciliary hospitalisation cover
Domiciliary hospitalisation covers a range of treatments, except for those mentioned under policy terms and conditions. Also, your insurer will not cover home treatment if you are fit enough to go to the hospital.
What is domiciliary hospitalisation?
Understanding the domiciliary hospitalisation meaning can be a bit tricky. It involves a situation where the medical expenses are covered by a health insurance policy even when the patient is not admitted to a hospital. Instead, the treatment is carried out at the patient’s residence.
How does one go about domiciliary hospitalisation in health insurance?
Domiciliary hospitalisation is not a common phenomenon. But it can be extremely useful for those who need it. Here’s how usually things pan out in the case of domiciliary hospitalisation if it is covered under the health insurance policy..
Importance of domiciliary treatment in health insurance
Here’s why it is vital to make sure your health insurance policy covers domiciliary treatment.
Key factors to consider while considering domiciliary hospitalisation in health insurance
Domiciliary hospitalisation may or may not be a part of your basic health insurance policy. In some cases, it might be offered as an add-on. Therefore, you need to consider the following factors while purchasing health insurance.
Eligibility criteria
You need to meet the following criteria to be eligible for domiciliary hospitalisation and to raise claims in such a scenario.
How much does domiciliary hospitalisation cost?
If such a feature is bundled inside your health insurance policy, then it’s difficult to explicitly find out the cost (premium) of such an inclusion. On the other hand, if it is an add-on, then the payable premium to include it in your policy will be clearly mentioned.
How to claim domiciliary hospitalisation in case of Corporate Group Health insurance
If you are covered under a holistic Group Medical Cover (GMC) offered by your organisation, then you might want to consider claiming under that policy. However, as is the case with an individual health policy, the GMC should also mention domiciliary hospitalisation as an inclusion.
Eligibility Criteria
To get the benefit of Domiciliary Hospitalization, you must fulfill certain conditions:
Benefits of Domiciliary Hospitalization
To know about the Benefits of Domiciliary Hospitalization in detail, read below:
Claim Procedure for Domiciliary Hospitalization
Domiciliary Hospitalization claims can be done only on a reimbursement basis, which means that you have to primarily settle the bills on your own & then file a claim for the expenses incurred during the treatment.
Conclusion
Domiciliary Hospitalization is a great feature that can help the policyholder to receive the right medical treatment at home particularly during emergencies. Domiciliary Hospitalization is a very unique feature as it helps you get Reimbursement for the right medical aid, when there is a lack of basic medical facilities.
Why is health insurance important?
That is why having a health insurance policy is essential. All these expenses and emergencies can be taken care of if you have a health insurance policy with you. Various medical emergencies are covered under a health insurance policy.
Does Pradeep's health insurance cover hospitalization?
Luckily, the health insurance policy covered domiciliary hospitalization up to 10% of the sum insured.
What is a domiciliary hospital?
Domiciliary hospitalization in a health insurance plan is a situation where the policyholder is in a hospitalized state even when he/she is at home. Since the policyholder is considered to be in a state of hospitalization, daily medical treatment expenses are bound to occur. Such expenses are covered by your health insurance only if the following conditions are met: 1 The patient is suffering from a disease, illness, injury where a certified medical professional or doctor has prescribed hospitalisation for him/her and he/she has a valid ongoing base health policy. 2 The treatment lasted at least three days. 3 Due to the severity of the injury, it is not suitable to relocate the patient in his/her current state. For example, paralysis or major leg fracture, in such injuries it is not advisable to relocate the patient to a hospital or nursing home. 4 The patient had to undergo medical treatment at home due to non-availability of accommodation at the hospitals.
Is medical treatment covered by insurance?
Since the policyholder is considered to be in a state of hospitalization, daily medical treatment expenses are bound to occur . Such expenses are covered by your health insurance only if the following conditions are met: The patient is suffering from a disease, illness, injury where a certified medical professional or doctor has prescribed ...
Can you relocate a patient to a nursing home?
For example, paralysis or major leg fracture, in such injuries it is not advisable to relocate the patient to a hospital or nursing home.
The Meaning Of Domiciliary Hospitalisation
Upon hearing the term domiciliary hospitalisation, questions such as 'What is Domiciliary Hospitalisation' and 'What is the meaning of Domiciliary Hospitalisation' are likely to cross your mind, and quite naturally so.
When Domiciliary Hospitalisation Is Necessary And Permissible In Health Insurance
There are two scenarios wherein a domiciliary hospitalisation may be required, namely:
How Domiciliary Hospitalisation In Health Insurance Works
If your medical insurance plan has the feature of domiciliary hospitalisation, your insurance provider is required to reimburse the cost of domiciliary treatment just like they would for a regular hospitalisation.
Things to Keep in Mind while Evaluating The Domiciliary Hospitalisation Benefit
There is usually a time lag in the filing of a domiciliary hospitalisation claim and the receipt of the reimbursement of domiciliary expenses. Therefore, you must peruse the terms of a health insurance plan thoroughly before selecting it and make a note of important elements such as:
To Sum It Up
Domiciliary hospitalisation is a beneficial feature you must consider while selecting a health insurance plan. Since the future is uncertain and medical emergencies are often unannounced and unpredictable, having such coverage may prove to be valuable in case of an emergency.