There are many cases under which the benefits of health insurance cover can be extended beyond a hospital stay. Read this article and find out.
Domiciliary hospitalization in a health insurance plan is a situation where the policyholder is in a hospitalized state even when he/she is at home. Since the policyholder is considered to be in a state of hospitalization, daily medical treatment expenses are bound to occur. Such expenses are covered by your health insurance plan only if the following conditions are met:
- The patient is suffering from a disease, illness, injury where a certified medical professional or doctor has prescribed hospitalisation for him/her and he/she has a valid ongoing base health policy.
- The treatment lasted at least three days.
- Due to the severity of the injury, it is not suitable to relocate the patient in his/her current state. For example, paralysis or major leg fracture, in such injuries it is not advisable to relocate the patient to a hospital or nursing home.
- The patient had to undergo medical treatment at home due to non-availability of accommodation at the hospitals.
What is Not Covered under Domiciliary Hospitalization?
- Expenses for pre and post hospital treatment.
- Any type of treatment which lasts less than 72 hours.
- Domiciliary hospitalization in your/employer’s health insurance plan.
The following diseases are not covered under domiciliary hospitalization:
| Bronchitis | Epilepsy |
| Asthma | Cough, cold and Influenza |
| Diabetes Mellitus and Insipidus | Pyrexia of unknown origin (for less than ten days) |
| Chronic Nephritis | Psychiatric or Psychosomatic Disorders |
| Diarrhoea, Dysentery, and Gastroenteritis | Arthritis, Gout, or Rheumatism |
| Hypertension | Tonsillitis and Upper Respiratory Tract Infection, Laryngitis, or Pharyngitis |
Conclusion
In case of a medical emergency, it is advisable to visit the hospital instead of domiciliary hospitalization. A hospital has many additional benefits over domiciliary hospitalization.
