What is Domiciliary Hospitalisation in Health Insurance?
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When it comes to health insurance, the term domiciliary hospitalisation may not be immediately familiar, yet it can be a crucial component of coverage, particularly in times of medical urgency. Understanding this feature is essential for policyholders looking to make informed decisions about their health insurance plans.
Defining Domiciliary Hospitalisation
The medical practice of domiciliary hospitalisation allows patients to receive healthcare treatment inside their own homes instead of hospital facilities. The decision to treat patients at home instead of hospitals stems from actual medical limitations, which include bed shortages and severe patient conditions. Some health insurance providers will pay for home-based medical costs if the treatment requires medical necessity and proper medical supervision.
Conditions for Eligibility
Most insurance policies require these three conditions for patients to receive coverage during domiciliary hospitalisation:
- The insurance policy covers treatments that need hospitalisation if the patient did not receive this care.
- A registered medical practitioner needs to write a recommendation for home treatment.
- The insurance policy considers home treatment valid only when the treatment period surpasses 72 hours.
Insurance providers maintain different specifications regarding coverage and eligibility requirements. Reviewing the policy document carefully or seeking advice from an insurance advisor remains essential to understand specific policy criteria.
What Is Covered?
The expenses covered under domiciliary hospitalisation include:
- Doctor’s consultation and home visits.
- Medicines and prescribed drugs.
- The performance of diagnostic tests at home or centres approved by the insurer.
- Nursing charges.
- The medical equipment and treatment devices which patients need during their treatment.
The policy contains exclusions for asthma treatment, common flu care, and physiotherapy unless the severity meets specified criteria. Review the policy exclusions carefully.
Importance in Modern Healthcare
The COVID-19 pandemic, alongside other health emergencies, highlighted the significance of domiciliary hospitalisation as hospital capacity reached its limits. Patients during these situations required hospital-level treatment in their homes because they had no alternative options. A health insurance plan that includes this benefit provides essential flexibility and financial backing to policyholders during difficult times.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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