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.
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 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.
How about an affordable health insurance policy 👨⚕️ starting at a monthly premium of just ₹235? Install the Navi app now and get your policy in under 2 minutes.
Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
|Karunya Health Scheme||Niramaya Health Insurance Scheme||Best Health Insurance Repositories|
|Pradhan Mantri Suraksha Bima Yojana||Best Personal Accident Insurance Plans||Best Insurance Policy For New Born Baby|
|Third Party Administrator (TPA)||What is Super Top Up Health Insurance Plan||Deen Dayal Swasthya Seva Yojana (DDSY)|
|Best Health Insurance Plan For Parents||Incurred Claim Ratio In Health Insurance||Chief Minister Comprehensive Health Insurance Scheme|
|Best Health Insurance Policies In India||Best Health Insurance Policies In India||Best Family Floater Health Insurance Plans in India|
|No Claim Bonus in Health Insurance||IRDAI Guidelines For Health Insurance||OPD Cover in Health Insurance|
|Maternity Health Insurance Plans||Health Insurance Plans For Senior Citizens||What is Portability Of Health Insurance|
TPA in Health Insurance – Meaning, Full Form, Functions and RolesTPA (full form - Third Party Administrator) is a licensed intermediary between health insurance pol... Read More »
5 Best Cancer Insurance Policy in India 2023 – Types and BenefitsCancer insurance plans can give individuals and families financial protection from expensive cancer... Read More »
10 Best Cashless Health Insurance Policy in India 2023 – Taxation and CoverCashless health insurance plans are policies that provide medical coverage to policyholders without... Read More »
6 Best Critical Illness Insurance Companies in India 2023Critical illness insurance is a type of health insurance policy that protects against fatal illness... Read More »
10 Best Personal Accident Insurance Policy in India 2023Accident insurance plans provide financial assistance to the policyholder in the event of an unfort... Read More »
Best Health Insurance for Parents in India 2023 and How to Buy?Health insurance for parents offer several perks, including a higher insured sum and full coverage ... Read More »
Best Dental Insurance Plans in India 2023: Benefits, Types and How to Claim?Dental insurance plans are policies that provide cover for expenses arising out of standard dental ... Read More »
7 Best Health Insurance for Newborn in India 2023 – Benefits and CoverHealth insurance for newborns are crucial in today’s time. When you are a new parent, the safety ... Read More »
Yeshasvini Health Insurance Scheme: Apply for Yeshasvini Health Card OnlineEveryone should have access to quality, affordable healthcare. Yeshasvini Health Insurance Scheme i... Read More »
5 Best Diabetes Health Insurance in India 2023 – Top Plans, Cover and Benefits OfferedDiabetes Health Insurance plans are specifically designed insurance covers for people who have diab... Read More »
Best Family Floater Health Insurance Plans in India (2023)A family floater health insurance plan covers the medical expenses of the entire family. It is more... Read More »
10 Best Cashless Network Hospitals in India 2023 – Benefits and Claim ProcessCashless Network hospitals are accredited hospitals that have partnered with a health insurance com... Read More »