What Is Domiciliary Hospitalization In Health Insurance

What Is Domiciliary Hospitalization In Health Insurance

Domiciliary hospitalization is a kind of benefit or coverage which is a part of the health insurance policy. This simply means, when an individual receives hospital–like treatment at the ease and comfort of their own home. This benefit ensures insurance coverage to the policyholder if they are getting treatment at home, considered to be “hospitalized” by the insurance company. For instance, due to a severe medical condition, you may not be able to get hospitalized, in such a case, the costs related to the treatment taken at home gets covered under your health insurance policy.However, this cover is not that simple how it looks, as the coverage is dependent on several terms and conditions. Domiciliary hospitalization can happen majorly due to most common reasons. 

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In India, most of the health insurance companies do not cover domiciliary hospitalization. And, the insurance companies who offer domiciliary hospitalization, benefit have certain limits and conditions. For instance, if someone has a health insurance policy of INR 20 lakh and their health policy covers domiciliary hospitalization benefit for up to 10% as sub-limit of the total sum insured. Then, their domiciliary expense coverage will be around INR 2 lakh.Certain health insurance plans such as senior citizen health insurance plans or health insurance policies related to Covid-19, have built-in domiciliary hospitalization coverage, where all the medical treatment related to any injury or illness is done at home, which would have been done at hospital premises otherwise.


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