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Why Choose Health Insurance With Domiciliary Benefits?

Updated On Apr 28, 2021

Accidents and crippling illnesses can occur unannounced at any point of time in our lives. From temporary disability to complete immobility, our health crises can take a long time to recover and have a debilitating effect on our overall well-being. This is why having health and life insurance is important. These ensure that we have strong financial support to cover our medical expenses and a regular source of income even when we are unable to work. This, by extension, comes to the aid of our loved ones and dependents as relief from monetary insolvency.

Sometimes, an injury or an illness might require immediate medical attention to reduce our health risks, and travelling to or getting hold of a hospital bed might pose a bit of a problem. Under such circumstances, the facility of domiciliary hospitalization comes to your aid, where you can receive medical attention within the confines of your home and be sure of complete reimbursement of funds and expenses related to the treatment of your injury or illness. However, to avail of this feature, you must show proof that you have been unable to get admitted to a hospital and that you spend at least 3 days under medical care in your home. Many health insurance policies provide this feature as part of their larger coverage option and in this article, we are going to tell you why you should choose the health insurance that offers this service.

Why Choose Health Insurance With Domiciliary Benefits?

Domiciliary hospitalization is also referred to as domiciliary benefits and the following pointers will help you to understand why you should choose a plan that comes with this feature -

1. Augment Your Coverage

A health insurance policy that comes with domiciliary benefits allows a policyholder to augment their coverage amount. Reimbursing the funds spent by them for medical treatment effectively reduces the amount of money that you spend by yourself and recovers your total cost. Some insurance companies offer a domiciliary benefit amount that is equal to your sum assured that you can utilize to pay off other expenses as well. Therefore, choosing a health insurance policy with this feature not only promises you greater financial coverage but also sees to it that there is no compromise on your healthcare requirements.

2. Available in Family Floater Option

While buying health insurance, people always look forward to buying a plan that comes with comprehensive coverage and offers protection for their entire family. Family floaters plans are therefore everyone's choice for securing medical and financial coverage for their loved ones. A beneficial aspect of domiciliary hospitalization is the fact that it is available as part of a group insurance or family floater plan. Hence, if you would like to reap the benefits of a medical treat home at home without avoiding the hassle at a hospital, buying a policy that comes with this feature is a wise option. You get to secure maximum services and monetary bargain for yourself and your dependents.;

3. Cover Covid-19 Treatment At Home

The ongoing rage of the Covid-19 pandemic and the sky-high costs associated with treating it has become known to all of us. The need for minimizing contact to contain the spread of the infection cannot be stressed more. Buying a health insurance plan with domiciliary benefits now ensures a Covid-19 coverage as well, where the policyholder does not have to be admitted to a hospital to avail the financial services of an insurance policy. In case someone is infected with Coronavirus, they can be assured of round-the-clock medical supervision and the reimbursement of all related expenses from within their homes, without the added tension of making their family susceptible to the wrath of the virus.

4. Instant Access To Treatment

Sometimes, an accident or an injury contributes to the inability of the policyholder to travel to the hospital; or they might not be able to get a bed in a hospital. Having a health insurance policy with domiciliary benefits ensures that you have the access to doctors and medical procedures from your home, thereby minimising your health risk and promoting intervention at the earliest. Under this facility, your insurance provider offers with all the necessary financial support to continue your treatment at your home, enabling you to recover quickly under the care and affection of your family and return to normalcy as soon as possible.

5. Avail Different Kinds Of Treatments

The most attractive feature of domiciliary benefits under health insurance plans is that it offers financial coverage for availing different kinds of treatments. Most health insurance companies offer financial coverage for allopathic medical treatments, but domiciliary benefits also reimburse medical expenses incurred towards homeopathic, ayurvedic, and Unani treatments. If someone ceases to respond to any one of the above medical treatments, domiciliary benefits ensure that you can look for other medical opinions and get access to the different medical procedures at no extra cost for complete recovery.

Therefore, you are now aware of why you should choose health insurance with a domiciliary benefit. From augmenting your financial cover to allowing you to get treated under different medical strands apart from allopathy, a health insurance policy with the above features ensures your optimum recovery within the confines of your home. This is however a suggestive list, and the health insurance policy that you buy will ultimately be contingent on your financial and medical needs.

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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