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icon Health Insurance icon Domiciliary Hospitalisation
  • Best Health Plans
  • What Is Domiciliary Hospitalisation
  • Importance
  • Factors
  • Benefits
  • Eligibility Criteria
  • List of Insurer
  • What is Covered
  • What is Not Covered
  • Claim Process
  • Things to Remember
  • As Per Your Need
  • Faq

Domiciliary Hospitalisation in Health Insurance: Everything to Know About

Health insurance is one of the most important investments you can make for your health and the health of your family. But with so many plans and policies to choose from, it can be hard to determine which option is best for you.

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

What is Domiciliary Hospitalisation?

Domiciliary hospitalisation is when you're treated as an inpatient in your own home or a place of your choosing, rather than in a hospital. It's sometimes called home hospitalisation.

Domiciliary hospitalisation can be an option if you have a medical condition that doesn't require 24-hour care in a hospital but does need frequent monitoring and treatment. It can also be an option if you're recovering from surgery or other treatments and can't yet take care of yourself at home.

Importance of Domiciliary Hospitalisation in Health Insurance

Domiciliary hospitalisation is an important aspect of health insurance. It covers the cost of treatment that is received at home, rather than in a hospital. This can be beneficial for a number of reasons.

First, it can help to reduce the overall cost of treatment. This is because hospitals typically charge more for their services than domiciliary care providers. In addition, it can be more convenient for the patient to receive treatment at home, as they will not need to travel to and from the hospital.

Overall, domiciliary hospitalisation is an important aspect of health insurance. It can help to reduce the cost of treatment, and it can also provide convenience and flexibility for patients.

Factors to Consider for Domiciliary Hospitalisation in Health Insurance

There are certain factors which must be considered before opting for domiciliary hospitalisation in health insurance. Some of these factors are:

  • The type of illness or injury: Only certain types of illnesses and injuries are covered under domiciliary hospitalisation. These include chronic diseases, cancer, mental disorders etc. Make sure to check with your insurer whether your illness or injury is covered under this benefit.
  • The prognosis: The chances of recovery play an important role in deciding whether domiciliary hospitalisation is the right option for you. If your chances of recovery are good, then you may opt for this benefit. However, if your prognosis is not so good, it is advisable to go for regular hospitalisation instead.

Benefits of Domiciliary Hospitalisation

There are a number of benefits that come with domiciliary hospitalization, which is why it is an increasingly popular option for health insurance coverage. For starters, domiciliary hospitalization allows policyholders to receive treatment in their own homes rather than having to go to a hospital or other medical facility. This can be a huge benefit for those who have difficulty getting around or who live in rural areas where hospitals are not easily accessible.

In addition, domiciliary hospitalization generally costs much less than traditional hospitalization, making it a more affordable option for many people. Additionally, because patients are typically discharged from domiciliary care sooner than they would be from a hospital stay, there is less chance of developing complications or contracting infections.

Finally, domiciliary hospitalization provides patients with a greater degree of control over their care. They can choose their own doctors and caregivers, and they have the ability to receive treatment in the privacy of their own homes. For all of these reasons, domiciliary hospitalization is an appealing option for many people seeking health insurance coverage.

Eligibility Criteria for Domiciliary Hospitalization

Domiciliary hospitalization is a type of health insurance coverage that allows policyholders to be hospitalized in their own homes or in the homes of their relatives. This type of coverage is typically used for people who are terminally ill or have chronic conditions that make it difficult for them to leave their homes.

To be eligible for domiciliary hospitalization, policyholders must meet certain criteria. They must be covered by a health insurance plan that offers this type of coverage, and they must be under the care of a physician who can certify that they are unable to receive the necessary medical treatment at an outpatient facility or in a hospital. In addition, policyholders must be able to demonstrate that they are able to care for themselves in their own home or the home of their relative.

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What is Covered Under Domiciliary Hospitalisation?

Domiciliary hospitalisation is a type of health insurance coverage that helps to pay for the costs of medical care received in the home. This can include the cost of nursing care, home health aides, and other services received in the home. It can also help to cover the cost of equipment and supplies needed for care in the home. Domiciliary hospitalisation can be an important part of a health insurance plan, especially for those who have a chronic illness or disability that makes it difficult to leave the home for medical care.

What is Not Covered Under Domiciliary Hospitalisation?

There are a few things that are not covered under domiciliary hospitalisation in health insurance plans. These include:

1. Treatment for psychiatric or mental disorders.

2. Treatment for alcohol or drug abuse.

3. Treatment for any pre-existing medical condition.

4. Cosmetic surgery or any other elective surgery.

5. Pregnancy and childbirth related expenses.

6. Expenses incurred for transportation, lodging or food during the course of treatment.

Domiciliary Hospitalisation Claim Process

If you are hospitalised at a facility other than a traditional hospital, your health insurance policy may cover some or all of the costs incurred. This is known as domiciliary hospitalisation and can be a valuable benefit if you need to receive medical care in a non-traditional setting. Here's what you need to know about making a domiciliary hospitalisation claim.

It's important to note that not all policies are the same, so it's important to check with your insurer to see what type of coverage is available under your particular plan. Some policies may have limitations on the types of expenses that are covered or may only reimburse you for a portion of your total costs. Additionally, some insurers require that you use specific providers in order for your claims to be processed, so be sure to ask about any provider requirements before making any arrangements.

Things to Remember When Choosing Domiciliary Hospitalisation

When choosing domiciliary hospitalisation, there are a few things to keep in mind. First, it is important to make sure that the health insurance policy covers this type of care. Domiciliary hospitalisation is typically more expensive than standard hospitalisation, so it is important to ensure that it is covered under the policy. Second, it is important to check with the provider to see if there are any restrictions on who can receive this type of care. Some providers only offer domiciliary hospitalisation to those who are over the age of 65 or have a certain medical condition. Finally, it is important to compare different providers to find the best coverage and price for domiciliary hospitalisation.

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Frequently Asked Questions

  • Q. Is domiciliary hospitalisation offered as a built-in feature in all health insurance policies?
    • Domiciliary hospitalisation is a feature that is typically offered as an add-on in most health insurance policies. It allows policyholders to receive treatment for medical conditions in their own homes, rather than having to go to a hospital or other healthcare facility. This can be a great option for those who have difficulty leaving their homes or who live in remote areas. In some cases, it may also be less expensive than traditional hospital care.

  • Q. What are domiciliary medical expenses?
    • Domiciliary hospitalisation is an important aspect of health insurance. It covers the expenses incurred by the policyholder for treatment taken at home, as opposed to a hospital. This type of treatment is typically required when the policyholder is not in a condition to be moved or when there is no facility for hospitalisation in the vicinity. Domiciliary medical expenses are usually covered under most health insurance policies.

  • Q. What are the conditions for domiciliary hospitalisation claim?
    • Domiciliary hospitalisation is a type of health insurance claim in which the policyholder is covered for the costs of being treated at home rather than in a hospital. In order to make a domiciliary hospitalisation claim, the policyholder must meet certain conditions, which vary depending on the insurer. Generally, the policyholder must be diagnosed with an illness or injury that can be treated at home, and have a doctor who is willing to treat them at home. The policyholder must also usually be able to care for themselves and their own needs while they recover.

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