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Domiciliary Hospitalization Benefits Uncovered

Updated On Jul 05, 2021

The term ‘caregiving’ has a broad spectrum and can be used to refer to the attention given to any individual: from infants to patients, to senior citizens. In terms of medical supervision, it can be used to indicate the positive surveillance, service, and care rendered to the former group of individuals by their family members or a professional caregiver. It becomes more prominent when a person is diagnosed with a serious illness that requires them to be hospitalized within their home, instead of staying at a hospital or a formal healthcare center. This instance is known as domiciliary hospitalization.

Domiciliary hospitalization is usually recommended for patients with motor disabilities or for those who need to undergo medical treatment at home for the non-availability of rooms in hospitals. The treatment under such a situation must be related to an injury or illness that requires immediate medical attention and should last for a minimum of 3 days. As a facility under different health insurance companies, domiciliary hospitalization covers the medical expenses for the care that the policyholder receives while they stay at home to recover from an illness. While it is not a guaranteed facility like a sum assured that can be found in every health insurance policy, you can buy a domiciliary cover by paying a higher rate of premium. In this article, we are going to talk about all the benefits of domiciliary hospitalization -

Domiciliary Hospitalization Benefits Uncovered

The following points mention everything you need to know about the different benefits under the clause of domiciliary hospitalization -

1. Promotes Medical Intervention

The major benefit and the foremost thing that you need to know about domiciliary hospitalization is the fact that it reduces any latency in receiving medical supervision. Allowing for fast and immediate medical attention within the confines of your home ensures that your medical needs are in check. It is applicable when the policyholder needs to be hospitalized within a period of 24 hours but is either not in a position to undertake the journey to the hospital or there are no free beds in a health care center to accommodate them. By all means, domiciliary hospitalization enhances your chances of recovery but making sure that there is no compromise to your health care needs.

2. Compensates Medical Expenses

Domiciliary hospitalization features come with the added benefit of compensating or reimbursing all of your medical expenses incurred while undergoing treatment at home. However, you must be aware that reimbursement of funds will only be initiated by your health insurance provider if the medical treatment lasts for a minimum of 3 days and it must be proved that there was no alternative way of receiving medical attention apart from staying in your home.

3. Comes As A Group Insurance Cover

The most attractive aspect of domiciliary hospitalization is the fact that it offers comprehensive coverage to the policyholder and their family members under the same policy. As part of a group insurance cover, it ensures that you and your family members are financially secured and protected, in cases of complete immobility and constant medical supervision. In cases where you might be unable to move without assistance, the coverage provided by health insurance allows you to recover quickly by receiving maximum medical attention and assistance at home.

4. Offers An Impressive Coverage

The coverage provided under the domiciliary hospitalization clause of most health insurance policies is impressive and forms an adequate benefit along with the sum assured amount. In some cases, keeping in mind your medical and financial requirements, the domiciliary hospitalization coverage promised is equal to the sum assured amount, thereby augmenting your financial security and access to medical resources without having to think about arranging the money.

5. Covers Covid-19 Treatment

Domiciliary hospitalization now covers the treatment for Covid-19 as well. Given the fact that the pandemic is yet to go away, this is an impressive feature where an individual infected with the Coronavirus can be assured of receiving medical supervision at minimum contact, thereby recovering within the confines of their home and also reducing the risk of exposing their family members and loved ones to a viral environment of a hospital treating Covid-19 patients.

Now you know the major benefits that come with domiciliary hospitalization. An illness or accident can occur unannounced at any point in anybody’s life and what you can do is to have strong financial support in place and be cautious of your safety. It is therefore wise to invest in a health insurance policy and particularly in a domiciliary hospitalization cover that will ensure the delivery and administration of immediate medical attention without the hassle of moving to or looking for available hospital beds.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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