Domiciliary Hospitalisation in Health Insurance

What is Domiciliary Hospitalisation?

Domiciliary hospitalisation is a further significant benefit that a Health Insurance policy provides. Domiciliary hospitalisation means medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home.

Domiciliary hospitalisation is covered under the following circumstances,  

1.  The condition of the patient is such that he/she is not in a condition to be moved to a hospital, or
2. The patient takes treatment at home on account of non-availability of room in a hospital.

However, remember that your insurance company will cover Domiciliary hospitalisation expenses only if the patient has an active health plan and receives treatment for 3 or more days.

Domiciliary Hospitalisation Benefit is not available for:

Following are the list of ailments or illness which are not covered under Domicilary Expenses

• Asthma
• Bronchitis
• Chronic Nephritis and Nephritic Syndrome
• Diarrhoea and all types of Dysenteries including Gastro-enteritis
• Diabetes Mellitus and Insipidus, Epilepsy
• Hypertension
• Influenza
• Cough and Cold
• All Psychiatric or Psychosomatic Disorders
• Pyrexia of unknown origin for less than 10 days.
• Tonsillitis and Upper Respiratory Tract infection including Laryngitis and  act infection including Laryngitis and Pharingitis,
• Arthritis
• Gout and Rheumatism

How Domiciliary hospitalisation in Health Insurance works?

If your Health Insurance plan covers Domiciliary Hospitalisation, your Insurance company will cover the cost of home health care just like they would for an in-patient hospitalisation..

It is recommended to note that Domiciliary Hospitalisation is not included by default in all Health Insurance policies. Therefore, while selecting a Health Insurance plan, you must check and ensure if this feature is covered.

What are the benefits of Domiciliary Hospitalisation?

Star Health Insurance provides various Health Insurance Plans  with a Domiciliary Hospitalisation feature.

Conclusion

Select the best Health Insurance plan covering hospitalisation expenses including Domiciliary treatment. And choose a suitable policy that helps you protect your savings.