What is domiciliary hospitalisation in health insurance

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13 Apr 2023

Domiciliary Hospitalisation: Professional Medical Care at Home for Health Insurance Policyholders

A health insurance plan has become a necessity for leading a safe & fulfilling life with fewer worries. Not only does it give you coverage in case of an emergency medical issue, but it also gives you peace of mind knowing that you have a plan B in case things go downhill, all without having to break the bank. 

Nonetheless, it might be confusing to choose an appropriate health insurance plan from the plethora of available options in the market. In this article, the domiciliary hospitalisation in health—one such phrase in health insurance policies—is explained. 

What is domiciliary hospitalisation?

Domiciliary hospitalisation is a benefit that policyholders who buy health insurance plans may use when the covered individual receives home medical care. In accordance with this plan, the patient's medical care obtained at home is likewise regarded as hospitalisation, and the health insurance company compensates the individual financially for this. 

This normally happens when a patient cannot be brought to the hospital or when there are no open hospital beds. As long as it is a benefit covered by your health insurance policy or that you have chosen to add domiciliary hospitalisation in health insurance plans as an add-on cover, your health insurer will pay for all medical expenditures in this situation. 

What type of coverage is offered under a domiciliary hospitalisation?

Whenever you buy health insurance online, you should be aware that insurance companies provide two forms of coverage for domiciliary hospitalisation. 

  • Domiciliary hospitalisation covered by your health plan: Domiciliary hospitalisation benefits are usually offered by insurance companies as part of their standard health policies.

     

  • Domiciliary hospitalisation as an add-on cover: Several insurance plans charge an extra fee for the add-on coverage of domiciliary hospitalisation.

     

The claims for domiciliary hospitalisation in health are often pay the costs up to the covered amount in both situations. 

What does domiciliary hospitalisation not cover?

Domiciliary hospitalisation does not provide reimbursement for pre- or post-hospitalisation costs. Less than 72 hours or three days of home care are not categorised as domiciliary hospitalisation. The following diseases are not covered by domiciliary hospitalisation in addition to the ones mentioned above:

  • Asthma

  • Bronchitis

  • Epilepsy

  • Cough, cold or influenza

  • Pyrexia of unknown origin

  • Diabetes mellitus or insipidus

  • Psychiatric or psychosomatic disorders

  • Arthritis, gout, or rheumatism

  • Diarrhoea, dysentery and gastro-enteritis

  • Hypertension

  • Tonsillitis and upper respiratory tract infection, laryngitis, pharyngitis

 

Important things to consider while considering domiciliary hospitalisation

 

The following things should be taken into account while buying domiciliary hospitalisation in health insurance:

  • To determine if domiciliary hospitalisation is covered by the insurance or not, look up the inclusions and exclusions in the basic plan.

  • Check to see whether the cover may be added if it is not already present.

  • Check to see whether the policy has any financial restrictions, especially when it comes to settling claims.

  • To make an educated decision, review the features and advantages of the cover.

 

Benefits of choosing domiciliary hospitalisation in health insurance

Domiciliary hospitalisation may be a crucial component of current online health insurance coverage. While purchasing health insurance, be sure to confirm whether or not such coverage is included in the policy. If not, think about adding it because it has the following benefits:

  • Professional medical care at home.

  • There won't be any last-minute difficulties if hospitalisation isn't possible.

  • Provides comfort for the covered patient's family in times of need.

  • Reduces the financial burden, which can be extremely high if your policy only covers hospitalisation. 

While choosing a health insurance plan, you should take advantage of domiciliary hospitalisation. Because the future is unpredictable and medical issues frequently come up out of the blue, having this coverage might be useful in an emergency.


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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.