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 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.
