Health Insurance Plans Offering Domiciliary Treatment

Health insurance plans offer a wide range of benefits and features to the policyholders. The features that are included within a policy are meant to meet the requirements of the policyholders. One such additional feature that can be included within your health insurance plan is domiciliary treatment under which you can get financial compensation for home based treatments. This cover can be included by paying extra premium depending on your medical profile. 

Domiciliary treatment is a benefit under health insurance plans that can be availed by the policyholders in case of home based medical treatments. The medical treatments received at home are also considered as hospitalization under this plan, and the insurers compensate for the medical expenses of these treatments. Home based treatments for an injury, treatment or disease are considered for health insurance coverage. The domiciliary treatments are included only when:

• Treatment is necessary for the injury, accident, or the disease.
• The injured cannot be shifted to the hospital due to their medical condition
• There is unavailability of accommodation at the hospital for the policyholder
• The home treatment will last for at least 3 days. 

Health Insurance Plans Offering Domiciliary Treatment

Following are some of prominent health insurance plans that offer domiciliary treatments under their regular coverage: 

1. IFFCO Tokio Family Health Protector Plan 

This is a family floater health insurance plan by IFFCO Tokio health insurance that offers domiciliary treatments to all the members of a family insured under the health insurance plan. Up to 20% of the claim amount is provided under the domiciliary coverage of the policyholders. 

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2. OneHealth Insurance Plan

This plan is offered by Magma HDI health insurance firm and can be bought for both individuals and families depending on the policyholder. Domiciliary treatments are covered up to the sum assured under this plan for the policyholders. This plan is a comprehensive and affordable choice for the policyholders. 

3. Happy Family Floater Plan 

Under this plan by Oriental health insurance company, the policyholders can get extensive coverage for themselves and their loved ones, based on the variant of the plan chosen by them. Ranging from Rs. 25,000 to Rs. 50,000 in a policy period, the domiciliary expenses are covered under this plan based on the variant of the plan chosen by the policyholders. 

4. Care Plan

This plan is offered by the care health insurance company and it is an indemnity based health insurance plan. This plan covers a wide range of benefits for the policyholders and it offers compensation for the domiciliary expenses of the individuals. Therefore, the policyholders can get financial aid for their home based treatments under this plan. 

5. ProHealth Insurance Plan

This plan is offered by Manipal Cigna health insurance company and it comes with an affordable premium price for the policyholders. You can get coverage for domiciliary treatments under your plan as a basic coverage. This plan is available in different variants for the policyholders to choose from. 

Exclusions Under Domiciliary Treatment Cover

There are certain features that are not included under the domiciliary treatment coverage of a health insurance plan: 

• This cover does not compensate for the pre hospitalization and post hospitalization expenditures of the policyholders  
• The home based treatments must last for at least 3 days, to avail the coverage of the domiciliary treatments. 
• There are certain diseases and treatments like asthma, epilepsy, diabetes, etc. that are not covered under the domiciliary treatment cover. You can look for the complete list of these excluded diseases and treatments in your policy documents to avoid any confusion at the time of the claim settlement process.  

Conclusion 

You can look for several other health insurance plans that are available in the insurance market that offer domiciliary treatment coverage to their policyholders at an affordable price. You must go through the terms and conditions of your desired health insurance policy to make sure that it includes the domiciliary expenses under your plan. You can customize your plan by consulting your health insurance provider according to your needs. 

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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.