The word ‘domiciliary’ originates from the word “domicile” which means home. Domiciliary hospitalisation is simply hospitalisation at home. Generally, health insurance policies require the holder to visit a hospital & get admitted to avail the policy benefits. But, domiciliary hospitalisation policy covers the treatment of the patient at home without hospitalisation.
Opting for domiciliary hospitalisation will allow medical treatment at home. But before you purchase a domicilary hospitalisation policy, understand how it works, what it covers and excludes, how to claim it and documents required. Read on!
Domiciliary hospitalisation in health insurance means that the insured can undergo treatment at home. They do not need to be hospitalised to claim health insurance coverage. This is in special cases where the doctor will advise home treatment if a person is unable to receive hospital treatment due to an illness, disease or injury.
An individual owns a health insurance policy with a domiciliary hospitalisation facility. He/she contacted COVID-19 & could not find accommodation in any hospital. He/she started his/her treatment at home.
The insurance policy covered his/her medical expenses while being treated at home without hospitalisation. This was possible because he/she had this special facility in his/her policy.
Is it always available in all health policies? In general, it is not a common policy term. To get its benefit you need to find out about health insurance policies that offer this special feature.
Also Read: Should you buy health insurance on EMI?
Domiciliary hospitalisation is an add-on that has to be purchased at an additional cost with the health insurance plan. The insurer will check the medical records and reports before settling a domiciliary hospitalisation insurance claim. The treatment must last for more than a day to claim domiciliary hospitalisation health insurance.
It covers all general expenses related to the hospitalisation including boarding expenses, room charges, and nursing expenses. It also covers:
Broadly, domiciliary hospitalisation is treated as general hospitalisation. All conditions are similar to general hospitalisation. However, certain necessary conditions need to be satisfied before availing of domiciliary hospitalisation. These conditions are discussed below.
It is not always available. You need to fulfil certain conditions to use this special facility provided in the insurance policies. These conditions may differ from policy to policy.
The general conditions are:
Note: Please refer to the specific policy document to understand all the conditions in detail.
COVID-19 pandemic flooded Indian hospitals. Many people could not secure beds in hospitals due to shortage & unavailability. In such situations, domiciliary hospitalisation facilities in health insurance policies are life-saving.
Navi offers comprehensive health insurance that covers more than 20 health benefits including domiciliary hospitalisation. The policy can be purchased at an EMI starting as low as Rs. 240 per month. Download the Navi app on Android or iOS to get your health insurance policy in 20 mins.
Several illnesses and diseases are excluded from domiciliary hospitalisation health insurance coverage. They are:
Note: Read the policy document carefully to understand which diseases are covered & which are not.
To claim domiciliary hospitalisation health insurance, you first need to wait until the waiting period is over. Your home treatment must also last for at least more than a day. At the time of claiming this health insurance, you need to submit the following documents:
Ans: The domiciliary hospitalisation limit is up to 10% of the sum insured. If the sum insured amount is Rs. 7 lakh. Then you can claim up to Rs.70,000 for domiciliary hospitalisation.
Ans: Not necessarily. Before buying any policy please confirm about this facility.
Ans: Extra premium or high premium can be charged for this facility. One must check the policy document and payment options carefully to understand all the details.
Ans: Yes, many insurance companies offer to convert any policy into a domiciliary hospitalisation policy on the payment of a little extra premium. Please check with the concerned insurance company for details.
Before you go…