Domiciliary Hospitalization

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.

What is Domiciliary Hospitalization

Domiciliary hospitalization is the provision of medical treatment to patients in their own homes who would otherwise require hospitalization in a traditional healthcare facility. It is a form of healthcare service that allows patients to receive necessary medical attention and assistance while staying in the comfort of their own homes.

Eligibility Criteria

To get the benefit of Domiciliary Hospitalization, you must fulfill certain conditions:

• The treatment should last equal to or more than 72 hours.
• The treatment should be related to diseases, illnesses, or injuries which would normally require hospitalization.

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Why Domiciliary Hospitalization is Important

The availability and extent of domiciliary hospitalization may vary depending on healthcare systems, insurance policies, and specific medical conditions. Here are a few reasons for opting for domiciliary hospitalization:

Claims Settlement Process of Domiciliary Hospitalization

The claim process for domiciliary hospitalization is easy. Here is the step-by-step process of the claim process

Step 1: Notify the insurance company about the claim by contacting their customer service or claims department. Provide all the necessary details, such as the policy number, the insured person's information, and the date and nature of the incident

Step 2: Now attach relevant documents such as medical reports, bills, prescriptions, diagnostic test results, and any other supporting evidence required by the insurer.

Step 3: The insurance company will review the submitted documents and assess the validity of the claim and other information. If necessary, they may ask for more details or supporting paperwork.

Step 4: Once the investigation is complete, the insurance company will initiate the payment process. They will issue the settlement amount either directly to the insured person's bank account or to the healthcare provider.

Diseases not Covered under Domiciliary Hospitalization

How Domiciliary Hospitalisation In Health Insurance Works

A benefit offered by multiple health insurance plans is Domiciliary treatment. A benefit wherein insurance holders can avail of treatment and medical care in the comfort of their homes just like they would receive in a hospital. There are many comprehensive health insurance plans providing domiciliary treatment. Domiciliary hospitalization occurs in situations wherein the doctor advises the insurance holder to seek treatment at home or when a patient is suffering from any illness and is unable to be admitted to a hospital facility. Many individuals avail of domiciliary hospitalization in case of a lack of hospital beds, proper hospital facilities, or lack of medical equipment.

If you invest in a health insurance policy where Domiciliary hospitalization is included in the coverage provided, then you can claim a reimbursement for Domiciliary treatment just like the insurance providers reimburse or settle the claim with the cashless network hospital. Domiciliary treatment is however, not included in every health insurance plan in the market and individuals need to be careful to select a health insurance plan that includes the feature in order to avail the feature.

Things to Keep in Mind while Evaluating The Domiciliary Hospitalisation Benefit

If individuals want to purchase a health insurance plan with domiciliary treatment benefits then they must focus on a few things.

Claim Procedure for Domiciliary Hospitalization

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.

Inform the Insurer

You need to intimate the Health Insurance Company before opting for Domiciliary Hospitalization. Once the treatment is completed, you need to file the Reimbursement Claim within 7 to 14 days after the treatment.

Duly Signed Documents

After the treatment, you must collect all the original documents that the Insurer might require for approving the Reimbursement Claim. If the insurer ask for additional documents, you must submit them for smooth Claim Process.

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Required Documents for Claim Settlement

• Copy of PAN, and Aadhaar Card
• Cash receipts and reports for tests done in original
• Discharge Summary
• Cash receipts from the hospital
• Other documents specific to the treatment
• Any other document, if asked for, by the company

Conclusion

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.