What is Domiciliary Hospitalisation in Health Insurance? All You Need to Know

Domiciliary hospitalisation in health insurance is a situation wherein the policyholder is required to take treatment for a certain disease or illness at a home rather than a hospital. Such a situation generally happens due to the inability of the policyholder to shift to the hospital or because of non-availability of hospital beds. In such a case, all the healthcare expenses are met by the insurance provider, if it is mentioned in the policy document or the policyholder has bought an add-on cover for domiciliary hospitalisation.

Benefits of Domiciliary Hospitalisation

Given below are the benefits of domiciliary hospitalisation:

• Treatment Flexibility

At times, an individual can be very ill that it can get hard to even shift them to a nearby hospital. In case such a situation arises, the benefit of domiciliary hospitalisation can act as a savior as it provides the policyholder with the flexibility to get medical treatment from their respective home.

• Covered in Unforeseen Situation

One of the biggest benefits of having the option of domiciliary hospitalisation in health insurance is that you receive coverage even in unforeseen circumstances. For instance, a policyholder receives treatment at home for their illness under domiciliary hospitalisation in the non-availability of hospital beds. The mentioned situation could be seen true while the whole world is being hit by the current Coronavirus crisis. However, even under such a situation, an individual can receive correct medical treatment through the domiciliary hospitalisation feature at their respective home.

• Avoid Further Healthcare Problems

The feature of domiciliary hospitalisation is generally available in case an individual is extremely ill and is unable to shift to a hospital, or in the non-availability of the hospital beds. In certain situations, if right medical treatment is not given to the patient at the right time, then his/her condition could deteriorate even further. However, with the help of domiciliary hospitalisation,you get the advantage to receive treatment at home and at the right time.

What’s not Covered under Domiciliary Hospitalisation?

The policyholder cannot avail domiciliary hospitalisation feature under the following circumstances:

• Any kind of treatment lasting for less than 3 days or 72 hours.
• Domiciliary hospitalisation in the health insurance plan of your employer
• Expenditure for pre-hospitalisation and post-hospitalisation treatment.
• Diseases like Bronchitis, Epilepsy, Asthma, Cough, Cold, Influenza, Hypertension, Diarrhea, Arthritis, Rheumatism, Gout, Psychiatric disorders etc.

Conclusion

One should visit a hospital in the event of a medical emergency rather than opting for domiciliary hospitalisation. Domiciliary Hospitalisation features should be opted out only because of genuine reasons such as inability to move to hospital or during the unavailability of 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.