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Importance of Getting Health Insurance That Covers Home Treatment

Published On Jan 02, 2022 5:30 AM By Shrida Gulati

The Insurance Regulatory and Development Authority of India (IRDAI) advised insurance providers to include home treatment or domiciliary treatment provision as an add-on facility when buying a medical insurance policy, as the COVID-19 pandemic spread far and wide, and the scenario repeated in every state and with larger and larger pockets of the population.

The Insurance Regulatory and Development Authority of India (IRDAI) advised insurance providers to include home treatment or domiciliary treatment provision as an add-on facility when buying a medical insurance policy, as the COVID-19 pandemic spread far and wide, and the scenario repeated in every state and with larger and larger pockets of the population. To know more about getting health insurance covering home treatment, read on.

What Is The Meaning Of Home Treatment?

This refers to a circumstance in which an insured person requires healthcare treatment at home because they are unable to be transferred to a hospital owing to a lack of hospital beds or their health condition. Without a doubt, domiciliary hospitalisation has shown to be beneficial to some COVID-19 patients who were unable to be admitted to hospitals due to a lack of drugs, beds, oxygen, and other resources.

When Is Home Treatment Required?

There are some requirements that must be met before you can receive home or domiciliary treatment. When it comes to submitting a claim on your medical insurance coverage, these factors are very significant. Following are the conditions under which you can receive home treatment -

  1. For your rehabilitation, your doctor or selected medical practitioner recommends home therapy rather than hospitalisation.
  2. If after all efforts, the patient is unable to obtain a hospital bed, or if there are no hospital beds available
  3. If the patient has a pre-existing disease or comorbidities that make them ineligible for hospitalisation

The cost of medical equipment, drugs, and doctor's consultations are all covered by the homecare treatment option, and in the case of coronavirus insurance plans like the Corona Kavach policy, the health insurance coverage also includes oxygen cylinders. Most homecare treatment plans, on average, cover domiciliary operations for 14 days.

How To Claim Home Treatment In A Health Insurance Plan?

Your health insurance policy may cover home therapy, but there are a few procedures you must complete before you can take advantage of these benefits. To begin, you must notify your medical insurance provider that you have been prescribed Home Treatment by your doctor. This must also show that, in your situation, hospitalisation was necessary, but that home therapy would be a better fit for your health needs.

When filing a claim under your medical insurance coverage, having the proper paperwork or documentation is critical. This is especially true in the case of domiciliary care. As a result, you will be required to provide all of your records, including medical tests, prescriptions, CT scans, and any other diagnostic testing you have had performed. Keep all of your bills and receipts for all of these costs so that requesting reimbursements is easy. Make sure you get and save all receipts for medical equipment purchases, since some health insurance policies cover this as well.

Also, bear in mind that correctly keeping your medicines is critical. You must obtain a valid prescription from your preferred medical practitioner, whether it be through an online consultation, a phone call, or a personal visit. Keep in mind that all of these prescriptions must state that you have been prescribed Home Treatment.

Endnotes

If your existing health insurance plan does not include domiciliary hospitalisation, don't panic; you can always get it updated with add-on covers or port it to a new health insurance plan at the time of purchase. Also, be sure to read the policy's features and advantages thoroughly.

Do read - Protect Yourself from Omicron

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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