*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Domiciliary hospitalization is recommended in a situation where the policyholder is in such a state that he/she cannot stay in a hospital. The insured undergoes treatment at home in case the hospital room is not available. The insurer will compensate the policyholder for the medical expenses incurred during the policy term as per the advice of the doctor.
Paying for domiciliary hospitalization treatment can be expensive therefore having a health insurance policy is essential these days. Various health emergencies are covered under a medical insurance policy. One of these features is the Domiciliary Hospitalization cover. If you have a medical insurance policy in place the insurer can pay off all the expenses up to the specified limit and all the medical emergencies can be taken care of without any financial worries.
The insurer will compensate you for the medical expenses incurred during the policy term as per the written advice of the doctor. The insurer compensates a percentage of the sum insured or up to the maximum capping specified in the policy wordings.
To avail of domiciliary hospitalization benefit, it is imperative for you to prove to the health insurance company that hospitalization is not possible and there is no other choice except for domiciliary treatment. Remember, that the insurer will only compensate the expenses upon satisfaction with the reason you gave to avail treatment at home. In case you chose yourself to not stay at the hospital and rather opt for treatment at home then you can be denied the claim.
There are certain things that you need to consider before availing of domiciliary hospitalization benefit:
Here is an illustration to help you understand better:
Let's understand it better with the help of an example -
Rajan is a clerk and suffers from dementia. Even though Rajan is undergoing medical treatment, he finds it challenging to do the daily chores. One day while standing in the kitchen he lost his balance, fell, and broke his arm. He bumped his head and sprained his neck and fell unconscious. He was alone at home at the time of the incident and therefore the treatment and first aid got delayed causing swelling and blood clots.
Since he was in a critical condition, the doctor said that moving him to the hospital would be too difficult, and he should undergo treatment at home. All the medical equipment’s were installed at home, and then the treatment was initiated to normalize his condition. It took around five days for his swelling to reduce, and the plaster was put in place to stabilize his arm bone.
Post treatment, Rajan started feeling better, and he decided to claim the expenses from his senior citizen mediclaim policy. Luckily, his medical insurance policy covered domiciliary hospitalization up to 10% of the coverage amount. For instance, Rajan had a plan of Rs 15 Lakh; his domiciliary treatment compensation will come to around Rs 1.5 Lakh. With the money, Rajan was able to avail the treatment without digging a hole into his pocket.
Any illness or an accident does not come with prior notice, and you cannot predict them. All you can do is stay cautious and remain financially prepared. Therefore, it is sensible to invest in a health insurance policy and secure your finances. You can conveniently buy health insurance online in India in an easy manner.
Select the best health insurance plan that covers hospitalization expenses including domiciliary treatment. And choose a policy that helps you protect your savings. All you need to do is decide the policy and then purchase it online in a hassle-free and convenient manner.