You can include several add–ons in your health insurance policy to extend its coverage. One of the most popular riders out of the lot is domiciliary hospitalization. If, for any reason, you are unable to go to the hospital to receive the medical attention you require, this add–on can prove to be extremely helpful for you.
If you do not already know about this fantastic add–on and are wondering what is domiciliary hospitalization and why you should buy it, do not worry! You can find all the answers below:
Domiciliary hospitalization meaning
If you receive hospital–like treatment at your home, you are said to have undergone domiciliary hospitalization. Suppose you fracture your leg and cannot reach the hospital to receive the medical attention you need. In that case, your physician may ask you to get the treatment from home. To get financial assistance for the incurred medical expenses from your insurance company, you would need to purchase a domiciliary hospitalization add–on along with your health insurance policy.
Note that while this benefit is available in the form of riders, a few insurers include domiciliary hospitalization in their standard health insurance policy. The terms and conditions of this benefit may differ from one insurer to another; hence, it is better to read the sales brochure of your insurance policy before making the purchase.
Now that you know the meaning of domiciliary hospitalization, let’s understand why you should consider buying it.
What are the benefits of domiciliary hospitalization?
If you purchase a medical insurance policy covering domiciliary hospitalization, you get to enjoy several benefits, such as:
- Timely treatments
If a person, due to any medical emergency, is unable to reach the hospital, with the help of this add–on, they can receive the treatment they require without taking on the hassle of travelling. This can help to save a lot of time and play a crucial role in preventing their health from deteriorating further.
- Boon for residents of tier 2 and tier 3 cities
A domiciliary hospitalization cover can help you receive medical assistance even if you live in a tier 2 or tier 3 city that does not have a well–developed medical infrastructure. This includes the lack of hospital beds, required medical equipment, and ambulance services.
- Treatment in familiar environments
Severe ailments and injuries take a toll on one’s mental health. Hence, receiving the necessary treatment in the comfort of your house by being around the people you love can help you be at peace and stay strong during such challenging times. Hence, you can quicken your healing process by receiving treatments at your own house.
If your physician has prescribed you to be hospitalized, but you wish to receive the required treatment from your house, the same cost would be covered by domiciliary hospitalization. This add–on covers almost all the ailments covered by your health insurance policy. Note that the domiciliary hospitalization cover does not compensate you for pre–and post–hospitalization charges. Additionally, you can only raise a claim under this cover if your treatment lasts for more than three days, i.e., 72 hours.Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.