Written By: Simran Kaur Vij

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Reviewed By: Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Apr 08, 2025 4 min read

Home Care Services Covered Under Health Insurance

Today, when health issues are on the rise and the cost of healthcare facilities is inflating, a health insurance policy becomes a crucial thing for every individual. In case of a medical emergency, you may face a financial crisis due to the rising costs of medical services. So, purchasing health insurance provides you the coverage for your hospital bills and pre-and post-hospitalization expenses.

Many health insurance providers offer home health care services in their health insurance plans as people wish for health care treatments in a comfortable environment like their homes. So, here’s everything about home health care services in health insurance.

Home Care Services

A Home Care Service allows an individual to get the treatment in their home. It is suitable for older people, people who are recovering from surgery, or suffering from chronic diseases. The main benefit of Home Care Service is to avoid unnecessary hospitalization.

Treatments Covered Under Home Health Care Services

Insurance companies cover various home health care services that are prescribed by doctors. Let's take a look at some of the most common home healthcare procedures.

• Respiratory tract infection
• Bronchopneumonia
• Gastroenteritis
• Dengue
• Pancreatitis
• Hepatitis
• Chronic Obstructive Pulmonary Disease (COPD) management
• Fever management

Home Health Care Services Offered by Insurance Companies

Here are some of the Home Health Care services offered by Health Insurance Companies:

• Domiciliary Hospitalization

  It allows policyholders to be treated at home if they are unable to visit a hospital or obtain medical facilities for specific treatments. Domiciliary Hospitalization can also be suggested by a doctor in case of non-availability of rooms, medical facilities, etc.

• OPD Treatments

  OPD treatments include minor medical procedures that do not require hospitalization but can be costly. Some insurance companies offer coverage for OPD (out-patient department) home care services like routine consultations, check-ups and physiotherapy.

• Pre and Post Hospitalization

  Pre and Post Hospitalization expenses are also covered under home health care services as well as under standard health insurance policies. The coverage period for pre and post-hospitalization can vary from insurer to insurer.

• Daycare Treatment

  These treatments do not require hospitalization of 24 hours and can be treated at the home of the patient. Treatments falling under this category can be expensive in nature. Some of the Daycare Treatments include Cataract Treatments and Chemotherapy, etc.

Exclusion Under Home Healthcare Services

Any treatment taken by the patient that is not related to the disease for which the patient is hospitalized or the medical procedure which is not prescribed is not covered by Home Health Care Services. Acupuncture, acupressure, naturopathy, etc. are some of the treatments that are not covered under the Home Health Care services.

Factors to be considered before opting for Home Healthcare Service

There are several factors that every policyholder should consider before opting for home healthcare services:

• Opt Home healthcare service only after consulting with the insurance provider.
• Always check the exclusion of the policy.
• Check whether the intended treatment is covered under the policy.

Conclusion

Home Health Care insurance is the best choice for domiciliary medical procedures, child treatment, and treatments for senior citizens. It allows you to get quality healthcare services at your home. If you're seeking health insurance that includes home healthcare services, then do your research and pick the best suitable health insurance plan to avoid any problems later.

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