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- Healthcare at home
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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Domiciliary Hospitalization : FAQs
1. What are the benefits of domiciliary hospitalization?
Domiciliary hospitalization covers all sorts of medical expenses related to nursing care, medical equipment, prescription drugs, etc. in the comfort of the patient’s home.
2. Are home care treatment and domiciliary hospitalization the same?
Domiciliary hospitalization is for a severe illness treatment if the networking hospitals have a shortage of beds, whereas home care treatment does not require certain conditions to be fulfilled.
3. Is there any maximum limit for domiciliary hospitalization care?
The aggregate amount for overall domiciliary treatment or hospitalization should be not more than 50% of your policy’s sum insured. The maximum days of domiciliary hospitalization and domestic assisted support can be covered for upto 14 days at maximum.
4. Which is the best health insurance plan that covers domiciliary hospitalization in India?
The best health insurance plans that cover domiciliary hospitalization expenses are Niva Bupa Aspire, ManipalCigna ProHealth Prime, Niva Bupa ReAssure 2.0, and others.
5. Should I buy a domiciliary cover add-on rider with my health policy?
If your health policy doesn’t cover domiciliary hospitalization expenses, you should buy an add-on rider for the same so that it could save you from financial distress at tough times.
6. Is there any waiting period for Domiciliary Hospitalization?
No, there is no waiting period for Domiciliary Hospitalization.
7. Is the cost of hiring a nurse at home covered?
Yes, the total expenses of the treatment at home including the cost of hiring a nurse are covered.
8. Is the cost of Medicines covered under Domiciliary Hospitalization?
Yes, the cost of medicines is covered under the Domiciliary Hospitalization.
9. Is AYUSH treatment covered under Domiciliary Hospitalization?
No, AYUSH treatments i.e. Ayurvedic, Yoga, Unani, Siddha & Homeopathy are not covered under Domiciliary Hospitalization.
10. Is the cost of ICU beds covered under Domiciliary Hospitalization?
Yes, the cost of ICU beds is covered under Domiciliary Hospitalization, if the cost of ICU beds comes under the total coverage amount of the policy.
11. What medical services can be provided under domiciliary hospitalization?
Domiciliary hospitalization covers a range of medical services, including diagnostic tests, medication administration, nursing care, physiotherapy, respiratory support, wound management, and other necessary treatments as prescribed by the attending physician.
12. How is domiciliary hospitalization different from home healthcare services?
It is a specific form of home healthcare that focuses on providing hospital-level care at home. It is typically intended for patients who require continuous medical supervision and treatment that would otherwise be provided in a hospital setting.
13. Is domiciliary hospitalization covered by health insurance policies?
Many health insurance policies provide coverage for domiciliary hospitalization, recognizing its importance as an effective healthcare delivery model. The extent of coverage may vary depending on the policy terms, specific medical conditions, and any limitations or exclusions mentioned in the policy.
14. How can eligibility for domiciliary hospitalization be determined?
Eligibility for domiciliary hospitalization is typically determined by the attending physician based on the patient’s medical condition and the necessity for continuous medical supervision and treatment.
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Written By: Simran Nirala
Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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