Domiciliary Treatment Plans Are Health Insurance Policies That Allow Patients To Receive Treatment At Home.

Imagine that a family member has suffered a serious leg injury and it is not possible to transfer them to the hospital. In such a situation, the doctor may advise home treatment or domiciliary hospitalisation.If the patient’s health insurance plan covers domiciliary hospitalisation expenses, the insurer will take care of his treatment bills.

If you are buying a health insurance policy online for the elderly, it is especially important that it covers domiciliary hospitalisation. There may be times when it is not possible to shift an elderly person to a healthcare facility due to certain pre-existing conditions or injuries. In such cases, a health insurance policy covering domiciliary hospitalisation expenses will come in handy.

Know More About Domiciliary Hospitalisation In Health Insurance

Domiciliary hospitalisation or home-based treatment is a situation in which a person suffering from a disease, illness or injury receives hospital-like treatment at home. Here are some situations when the treating medical practitioner may advise domiciliary hospitalisation for patients:

• The patient’s physical condition is such that it is impossible to shift them to the hospital.
  When a patient can be shifted to the hospital but is advised domiciliary treatment due to non-availability of rooms in the hospital.
• However, remember that the insurer will cover domiciliary hospitalisation expenses only if the patient has an active health plan and receives treatment for 3 or more days.

What Type Of Coverage Is Available Under Domiciliary Hospitalisation?

Insurance companies offer two types of coverage under domiciliary hospitalisation, which you should know before buying a health insurance policy online. These are:

• Domiciliary hospitalisation included in your health plan: Many insurance companies include domiciliary hospitalisation benefits in the regular health plans they offer.
• Domiciliary hospitalisation as an add-on cover: Some insurance companies offer domiciliary hospitalisation as an add-on cover and at an additional premium.
• In both cases, insurance companies usually cover domiciliary hospitalisation expenses up to the sum insured. However, some insurers may cover only up to a specific amount mentioned under policy terms and conditions.

What Are The Benefits Of Domiciliary Hospitalisation?

Helps one avail timely treatment:

If you or a loved one has suffered a serious injury or your health condition makes it impossible to shift you to the hospital, domiciliary hospitalisation cover can help. Timely home-based treatment will prevent your health from deteriorating further.

Ideal for uncertain situations:

In case beds are not available in the hospital or it is risky to shift the patient to a healthcare facility, domiciliary hospitalisation is the only option.
 
Familiar atmosphere:

Patients tend to recover sooner when they receive treatment in the comfort of their homes.

Conclusion

Domiciliary hospitalisation covers a range of treatments, except for those mentioned under policy terms and conditions. Also, your insurer will not cover home treatment if you are fit enough to go to the hospital. However, whether you are taking a  health insurance policy online or through an agent, especially for the elderly members of your family, make sure you choose a plan with domiciliary hospitalisation. Also, go through the inclusions and exclusions carefully to avoid any disappointments later. 

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