Domiciliary hospitalisation


In health insurance, domiciliary hospitalisation is a benefit available for policyholders when hospitalisation (stipulated minimum is 24 hours) is not possible. That is, when the insured or patient’s condition does not allow him to be moved to a hospital or the hospital cannot accommodate the individual due to some reasons. In such cases, the patient may get medical (allopathic) treatment at home. This is termed as domiciliary hospitalisation and the expenses incurred during this period are covered by insurance players.

Note that there are certain conditions to be met before this cover kicks in.

One, the treatment should exceed a minimum of three days. Two, the condition of the patient or policyholder is such that he is not in a position to be moved to a hospital or the patient takes treatment at home on account of unavailability of rooms in a hospital (if needed, it has to be proved by the policyholder). And lastly, the domiciliary hospitalisation expenses will not cover the expenses incurred for pre- and post-hospital treatment.

Despite meeting these conditions, this cover will not be applicable if you are treated for diseases, including asthma, bronchitis, diabetes, diarrhoea and all kinds of dysenteries and psychiatric disorders. The scope of the cover is also limited with a cap that could be less than the full sum assured. You need to read the policy document carefully to be financially prepared.

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