What are the benefits of domiciliary hospitalization?

Domiciliary hospitalization covers all sorts of medical expenses related to nursing care, medical equipment, prescription drugs, etc. in the comfort of the patient’s home.

Are home care treatment and domiciliary hospitalization the same?

Domiciliary hospitalization is for a severe illness treatment if the networking hospitals have a shortage of beds, whereas home care treatment does not require certain conditions to be fulfilled.

Is there any maximum limit for domiciliary hospitalization care?

The aggregate amount for overall domiciliary treatment or hospitalization should be not more than 50% of your policy’s sum insured. The maximum days of domiciliary hospitalization and domestic assisted support can be covered for upto 14 days at maximum.

Which is the best health insurance plan that covers domiciliary hospitalization in India?

The best health insurance plans that cover domiciliary hospitalization expenses are Niva Bupa Aspire, ManipalCigna ProHealth Prime, Niva Bupa ReAssure 2.0, and others.

Should I buy a domiciliary cover add-on rider with my health policy?

If your health policy doesn’t cover domiciliary hospitalization expenses, you should buy an add-on rider for the same so that it could save you from financial distress at tough times.

Is there any waiting period for Domiciliary Hospitalization?

No, there is no waiting period for Domiciliary Hospitalization.

Is the cost of hiring a nurse at home covered?

Yes, the total expenses of the treatment at home including the cost of hiring a nurse are covered.

Is the cost of Medicines covered under Domiciliary Hospitalization?

Yes, the cost of medicines is covered under the Domiciliary Hospitalization.

Is AYUSH treatment covered under Domiciliary Hospitalization?

No, AYUSH treatments i.e. Ayurvedic, Yoga, Unani, Siddha & Homeopathy are not covered under Domiciliary Hospitalization.

Is the cost of ICU beds covered under Domiciliary Hospitalization?

Yes, the cost of ICU beds is covered under Domiciliary Hospitalization, if the cost of ICU beds comes under the total coverage amount of the policy.

What medical services can be provided under domiciliary hospitalization?

Domiciliary hospitalization covers a range of medical services, including diagnostic tests, medication administration, nursing care, physiotherapy, respiratory support, wound management, and other necessary treatments as prescribed by the attending physician.

How is domiciliary hospitalization different from home healthcare services?

It is a specific form of home healthcare that focuses on providing hospital-level care at home. It is typically intended for patients who require continuous medical supervision and treatment that would otherwise be provided in a hospital setting.

Is domiciliary hospitalization covered by health insurance policies?

Many health insurance policies provide coverage for domiciliary hospitalization, recognizing its importance as an effective healthcare delivery model. The extent of coverage may vary depending on the policy terms, specific medical conditions, and any limitations or exclusions mentioned in the policy.

How can eligibility for domiciliary hospitalization be determined?

Eligibility for domiciliary hospitalization is typically determined by the attending physician based on the patient’s medical condition and the necessity for continuous medical supervision and treatment.

Written by Simran Nirala

Published: 25 Sep 2024

Updated: 22 Jun 2026

5 min read

Expert Verified

IRDAI Licensed

What is Domiciliary Hospitalisation? An Introduction

Domiciliary hospitalisation refers to medical treatment received at home instead of a hospital.

Why do you need domiciliary hospitalisation cover?

Not everyone can afford expensive hospital treatment, which can be financially draining. Domiciliary hospitalisation cover is beneficial if a patient cannot be admitted to a hospital or prefers a homely environment with loved ones. Recovery under home care can be faster and easier, and it also helps prevent hospital-acquired infections.

This article discusses health insurance plans that offer domiciliary hospitalisation, its benefits, coverage, and exclusions. Read on to learn more about domiciliary hospitalisation.

Best Health Plans for Domiciliary Hospitalisation

Plan Name	Sum Insured	Entry Age	Coverage for Domiciliary Hospitalisation
Niva Bupa Aspire	3 L - 1 Cr	18 years	Up to Sum Insured (SI)
Star Health Assure	5 L - 2 Cr	18 years	Up to Sum Insured (SI)
Aditya Birla Activ Health Platinum Enhanced	2 L - 2 Cr	18 years	Up to Sum Insured (SI)
ManipalCigna ProHealth Prime Protect	3 L - 1 Cr	18 years	Up to 10% of Sum Insured (SI)
Star Health Comprehensive	5 L - 1 Cr	18 years	Up to Sum Insured (SI)

Key Takeaways

Domiciliary hospitalisation helps you get treated in the comfort of your home.
When a patient cannot be hospitalised, domiciliary hospitalisation coverage is a valuable benefit.
Health insurance plans like Niva Bupa Aspire, Star Health Comprehensive, and ManipalCigna ProHealth Prime Protect cover domiciliary hospitalisation.
The coverage period for domiciliary care is generally up to 15 days or a fixed percentage of the base sum insured.

How Does Domiciliary Hospitalisation Work?

Here is the step-wise process of availing domiciliary hospitalisation coverage with your health insurance policy:

Step 1: Diagnosis of the illness
Once an illness or disease is diagnosed, doctors will assess the patient's (insured member's) condition to determine if domiciliary hospitalisation is required.
Step 2: Prescription for treatment
Once confirmed that domiciliary hospitalisation is needed, doctors and medical experts will outline the necessary medical interventions and course of treatment.
Step 3: Insurer provides coverage
In this step, the insurance company will cover your domiciliary hospitalisation expenses as per the policy terms and conditions.
Step 4: Domiciliary treatment set-up
To facilitate the treatment procedure, the hospital administration, in coordination with the insurer, will set up necessary medical equipment such as nebulisers and oxygen cylinders.
Step 5: Treatment at home
The patient will be assigned nursing staff or a caregiver, along with all necessary treatment facilities and medical equipment.
Step 6: Follow-up Routine
Once treatment is complete, doctors and medical staff will provide follow-up care, including check-ups and other necessary steps.

What Does Domiciliary Hospitalisation Cover?

Nursing and assisted care
Personalised medical care
Doctor's consultation fees
Health check-ups
Medication and medical equipment costs

What are the Exclusions of Domiciliary Hospitalisation?

Cosmetic surgeries, dental treatment
Riots, nuclear wars, strikes
Pre and post-hospitalisation expenses
Specified conditions such as epilepsy, diarrhoea, diabetes, asthma, and psychosomatic disorders
Treatment for conditions requiring hospitalisation for more than 72 hours
Infertility or sterility treatments
HIV/AIDS, STDs, and similar conditions

Note: Always check your policy documents carefully for a complete list of exclusions under domiciliary hospitalisation.

Conclusion

Domiciliary hospitalisation cover within your health insurance policy offers significant support during vulnerable times. It protects you from financial strain and provides continuous care during medical emergencies. When a patient cannot receive treatment at a hospital due to severity or other reasons, domiciliary care ensures they receive proper medical attention at home.