Understanding the domiciliary hospitalisation, meaning can be a bit tricky. It involves a situation where the medical expenses are covered by a health insurance policy even when the patient is not admitted to a hospital. Instead, the treatment is carried out at the patient’s residence. Here, the term hospitalisation alludes to a hospital-like situation being created at the patient’s residence for optimal medical care as per the disease/illness/injury.
It’s crucial to note that such a provision might only be applicable in case of:
Domiciliary hospitalisation is not a common phenomenon. But it can be extremely useful for those who need it. Here’s how usually things pan out in the case of domiciliary hospitalisation if it is covered under the health insurance policy..
Here’s why it is vital to make sure your health insurance policy covers domiciliary treatment.
Modern online health insurance policies might include domiciliary hospitalisation as a key feature. In case of buying health insurance offline, make sure to verify if such cover is a part of the policy or not. If not, then consider including it as it offers the following benefits.
Cashless claims
Here, the insurer and the hospital have a tie-up for smooth claim settlement. You only have to pay the amount that’s not covered by your policy. In case of domiciliary hospitalisation, hospital-like situations will be recreated at the insured patient’s place of residence with the required medical equipment and settings. If allowed by the insurer, a cashless claim can be raised in such a scenario as well.
Reimbursement claim
Here, the insured patient has to initiate a claim with the insurer after the treatment is completed. The claim needs to be supported by required documents such as doctor’s prescriptions, invoices, etc. Post claim initiation, the insurer will verify the application and settle the claim as per the policy’s terms and conditions. Unlike a cashless claim, there’s no dependency on the insurer’s equation with the hospital.
