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Understand domiciliary hospitalisation related to health insurance

Falling ill or having a significant health issue is one of the most troubled times of our life. All the hospitalization, medication, and large bill can get overwhelming in no time. That is why having a health insurance policy is essential. All these expenses and emergencies can be taken care of if you have a health insurance policy with you.

Various medical emergencies are covered under a health insurance policy. One of these features is Domiciliary Hospitalization. So, what is Domiciliary Hospitalization? There are a few cases when a person is so ill/ injured that he/she cannot be transferred to a hospital, and the treatment is done at home. Here are a few conditions where domiciliary hospitalization is valid-

A situation where the Insured Person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home if there's a non-availability of room in the hospital.

The policyholder will be compensated for the medical expenses incurred during the policy period on the written advice of a doctor. The compensation will be 10% of the sum insured, which can come up to a maximum capping offered by the insurance company.

Let's understand it better with the help of an example -

Pradeep Mishra is an elderly teacher and suffers from episodic imbalance disorder. Even though Pradeep is undergoing the treatment, he finds it challenging to move unsupported, sometimes. One day while taking the stairs, he lost his balance, fell, and broke a leg.

He injured his head and neck and fell unconscious. As there was no one at home, his treatment and first aid got delayed causing blood clots and swelling in the broken leg. Since his condition was critical, it was decided that moving him to the hospital would be too difficult, and hence his treatments will be carried at home. The equipment was installed at the house, and then the treatment was initiated to normalize the condition of his leg. It took about four days for the swelling to reduce, and the plaster was put in place to stabilize the bone finally.

After the treatment, when Pradeep started feeling fine, he decided to claim the expenses from his health insurance policy. Luckily, the health insurance policy covered domiciliary hospitalization up to 10% of the sum insured. Suppose Pradeep had a plan of 10 lakhs, his domiciliary expenses compensation will come to around Rs. 100000. With the money, Pradeep was able to get the treatment quickly without digging a hole in his savings.

Accidents and diseases are sudden, and you cannot predict them. All you can do is get prepared and stay cautious. So, don't forget to get a health insurance policy and secure your finances. You can buy health insurance online in India very conveniently and easily.​