Domiciliary Hospitalization is commonly known as Home Hospitalization. It is one of the important features of Health Insurance as it allows the policyholders to get treated at home if he/she is not able to reach the hospital or not able to find medical amenities for a particular treatment. It also helps the Insured in saving a lot of money that can be incurred on frequent visits to the hospital. The Insurance Company reimburses medical expenses to the policyholder during the policy term as per the advice of the doctor.
To get the benefit of Domiciliary Hospitalization, you must fulfill certain conditions:
To know about the Benefits of Domiciliary Hospitalization in detail, read below:
Always Ready for Emergency/ Uncertain Situations
Domiciliary Hospitalization proves to be necessary for an unfortunate situation when there is a lack of medical treatment or medical amenities.
For instance- During the second wave of Covid 19, there was a huge crisis in the country and the citizens were unable to get medical aid due to the non-availability of beds and medical equipment, as a result of which they were advised to get treatment at home. Alongside, the soaring expenses made it difficult for people to get aid. In such a case, Domiciliary Hospitalization helps you get the right treatment at home & get reimbursement for the same, thereby not burdening the pockets.
Flexibility of Treatment
Domiciliary Hospitalization can be a lifesaver and becomes necessary for people who are physically challenged and cannot move to the hospital for getting treated.
For instance- Pradeep was climbing the stairs and unfortunately, he injured his leg and fell unconscious. As there was no one around, his treatment got delayed. Since his condition was critical, it was difficult to move him to the hospital. Thereafter, it was decided to treat him at home. All the equipment was installed at the house, and the treatment started to normalize the condition of his leg. With the help of Domiciliary Hospitalization, Pradeep was given the right kind of aid at the right time.
Domiciliary Hospitalization provides you the flexibility of getting appropriate medical treatment at home.
|Diseases Not Covered under Home Hospitalization|
|Cough, cold, or influenza||Chronic Nephritis|
|Pyrexia of unknown origin||Diabetes Mellitus or Insipidus|
|Diarrhea, dysentery & gastro-enteritis||Arthritis, Gout, or Rheumatism|
|Tonsillitis and Upper Respiratory Tract Infection||Psychiatric or Psychosomatic Disorders|
Domiciliary Hospitalization claims can be done only on a reimbursement basis, which means that you have to primarily settle the bills on your own & then file a claim for the expenses incurred during the treatment.
Domiciliary Hospitalization is a great feature that can help the policyholder to receive the right medical treatment at home particularly during emergencies. Domiciliary Hospitalization is a very unique feature as it helps you get Reimbursement for the right medical aid, when there is a lack of basic medical facilities.