Domiciliary Hospitalisation: Meaning: A Complete Guide for Health Insurance Buyers

What is Domiciliary Hospitalisation?

Let’s start with domiciliary hospitalisation meaning: Domiciliary hospitalisation refers to medical treatment that is taken at home instead of being admitted to a hospital. This type of hospitalisation is beneficial for patients who require long-term medical care but are unable to be hospitalised due to the unavailability of beds or their health condition.

Know that domiciliary hospitalisation doesn’t mean inadequate medical care. In this type of hospitalisation, doctors, nurses, physiotherapists, etc., provide medical services at the patient’s home.

While domiciliary hospitalisation can be useful for various medical concerns, the costs are usually high. This is why it is important to choose a health plan that covers such hospitalisations as well.

Does Health Insurance Cover Domiciliary Hospitalisation?

Typically, health insurance policies across the board provide domiciliary hospitalisation cover in their base plan. Health plans that do not offer the coverage in the base plan offer the option to add the domiciliary hospitalisation add-on cover. Usually, the cost of this cover is affordable and does not significantly affect the premium.

Remember that to enjoy domiciliary hospitalisation cover, you must have a prescription from an authorised medical practitioner to receive medical services at home. In the absence of such a prescription, the insurer might reject claims. Also, depending on the insurer and the health insurance plan you have chosen, the eligibility for the coverage may differ.

Tracking the Role of Health Insurance for Domiciliary Hospitalisation

Domiciliary hospitalisation makes medical services accessible to patients who are unable to obtain hospital admission. The inclusion of domiciliary hospitalisation cover under health insurance has several advantages, such as:

Makes Domiciliary Hospitalisation Affordable

Health insurance policies with domiciliary hospitalisation cover make it affordable for every insured. The cost of home medical services can create a significant financial burden in the absence of such coverage. By covering such expenses, health plans make medical services affordable even at home.

Makes Medical Services Accessible

Sometimes, receiving medical services at home is the only option available for many patients due to their health conditions. In such cases, a health plan with domiciliary hospitalisation coverage helps make these services easily accessible. Health insurance companies partner with reputable hospitals across the country, making it easier to seek medical services from them at home as well.

Provides Extensive Coverage

Depending on the medical concerns, domiciliary hospitalisation can include a doctor’s home visits, medications, and a lot more. A reliable health plan comes with coverage for:

• Doctor's Home Visits: Doctors visiting patients at home regularly to monitor their condition and track recovery.
• Medical Equipment: Medical equipment and devices such as blood pressure monitors, oxygen tanks, IV setups, etc.
• Nursing Care: Professional nurses for personal care, monitor progress, administer medications, etc.
• Medications: Medications prescribed by an authorised medical practitioner.

Ensures Comfort and Convenience

Knowing that the expenses incurred in getting medical services at home make treatment and long-term medical care convenient and comfortable. This is beneficial, especially with senior citizens or patients who can not be admitted to a hospital due to health concerns.

How to Raise a Claim for Domiciliary Hospitalisation?

Raising a claim for domiciliary hospitalisation might appear a little daunting at first. Here’s what you need to know about raising the claim:

Review Policy Terms

Read your policy documents to check whether or not it covers domiciliary hospitalisation. Make sure to go through the exact claim process.

Get a Prescription

For a domiciliary hospitalisation claim, you need to get a prescription authorising the hospitalisation from a licensed medical practitioner.

Present Your Medical Bills

Collect your medical bills, including bills of nursing care, doctor’s visits, medical equipment, etc., and present them to your insurer at the time of raising the claim.

Fill Out the Claim Form

Fill out the domiciliary hospitalisation claim form for the respective insurance company and attach necessary documents, such as the health card, policy details, and medical bills.

Wait for Approval and Settlement

Once you have submitted the claim form, your insurer verifies the claim before approving it. Upon approval, your claims are duly settled.

Summing Up

Domiciliary hospitalisation is a valuable facility that makes medical services accessible even in the comfort of your own home. With a health plan that offers domiciliary hospitalisation cover, you do not have to worry about hefty out-of-pocket expenses for getting medical services at home. Your insurer steps in to cover all the expenses, so you can focus on a faster recovery.

If you are looking for a health insurance plan that offers comprehensive coverage, you can visit Jio Insurance Broking. Here, you can explore, compare, and purchase plans that are suitable for your medical needs.

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