InsuranceLiya.com

Domiciliary Hospitalization

Domiciliary Hospitalization is where the medical treatment is done at home. It is also commonly known as Home Hospitalization. There are various cases where a person may prefer domiciliary Hospitalization over regular hospitalization. Certain ailments are better handled at home, rather than in the hospital. This is where Domiciliary Hospitalization can be boon.

There could be situations where the doctor states that a home environment would be better suited for the healing of the patient. In this situation, a policyholder can avail a domiciliary hospitalization cover from his insurance company.
This is could be important to know whether your health insurance policy covers domiciliary hospitalization.

This article will aim to cover the most important points on this topic, such as:

• Domiciliary hospitalization meaning
• Domiciliary hospitalization eligibility
• Coverage and exclusions under domiciliary hospitalization
• Companies that provide domiciliary hospitalization coverage
• Benefits of domiciliary hospitalization

Domiciliary Hospitalization Meaning

Let us aim to understand Domiciliary Hospitalization with an easy example. Let us say Mr. Shyam slipped and had a leg injury at his home.
He called a doctor at his home and the doctor suggested that due to the sensitive nature of his injury he not be moved out from the house. Mr. Shyam decided to get home treatment.
Mr. Shyam was lucky as his health insurance policy covered domiciliary hospitalization treatment.

Domiciliary Hospitalization Eligibility

Domiciliary Hospitalization coverage will only be considered in the following cases:

  • If the patient cannot be moved to the hospital due to the nature of the injury/illness.
  • If there was no availability of hospital bed.
  • There should be a valid reason to get home treatment

Coverage and Exclusions under Domiciliary Hospitalization

Coverage

Coverage will vary from policy to policy. You must check your health insurance policy coverage in the case of home hospitalization. That being said, most companies will cover most illnesses if you can prove that it was not possible to shift the patient to a hospital, and home treatment was the only option.

Exclusions

Some general exclusions include:

  • Hypertension
  • Arthritis
  • Diarrhoea, Dysentery
  • Diabetes Mellitus and Insipidus
  • Bronchitis
  • Chronic Nephritis
  • Epilepsy
  • Common cough and cold
  • Influenza
  • Psychosomatic Disorders
  • Tonsillitis
  • Laryngitis or Pharyngitis

Benefits of Domiciliary Hospitalization

  • Home treatment could be the ideal choice for some people during the COVID-19 pandemic
  • Certain illness’ merit home or domiciliary hospitalization
  • In certain situations the patient can recover faster at home
  • Some policies cover Ayurveda, Unani and Homeopathic treatments at home (Depends on policy to policy)

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Enter your details