Why Is It Important To Buy Health Insurance With Home Treatment?

Posted on: May 16, 2022 | | Written by:

Why Is It Important To Buy Health Insurance With Home Treatment?

Let’s be honest here – no one wants to get hospitalized, especially if the illness can be treated and monitored at home. Your home will surely look more familiar and comforting to you rather than the unfamiliar and professional environment of a hospital or clinic, right? Also, sometimes, there might be no scope to shift you to a hospital in case your health condition is too frail. In such cases, home treatment or domiciliary hospitalisation will be the ideal option. However, even home treatments involve a certain amount of expenses. So, you need to make sure if your health insurance provider is willing to pay for those expenses. This is especially important if you have taken a senior citizens health insurancepolicy.

What is Home Treatment?

Home treatment, also known as domiciliary hospitalisation, refers to the situation when an insured person avails medical treatment at home. This could be because the patient may be suffering from co-morbidities and pre-existing diseases for which they cannot be shifted to a hospital, and the doctor might advise home treatment.This kind of treatment might also be recommended when there is a shortage of beds or other resources.

To claim home treatment expenses, make sure domiciliary treatment is included in your senior citizen health insurance or a normal policy. Some policies have in-built coverage for home treatment while some policies might offer it as an add-on. The scope of coverage differs from insurer to insurer but the expenses that are generally covered are doctor’s consultation and home visit fees, diagnostic tests, cost of medical equipment, cost of medicines, nursing support, etc. However, domiciliary hospitalisation should be prescribed by your doctor if you want financial compensation.

Why You Should Get Health Insurance That Covers Home Treatment

• To avail the benefits of health insurance, hospitalisation is not always required. You can get treated at home and still claim insurance. But, remember, home treatment should be advised by your doctor, otherwise your claims will get rejected.

• While being treated at home, you can also avail cashless home treatment facility like cashless hospitalisation.

• During domiciliary hospitalisation, the room rent, food cost, travelling and taxes are not included in the invoice. Since it turns out be cheaper than hospitalisation, home treatment is beneficial for both the policyholder and the insurance provider.

Important Points to Remember Before Choosing Home Treatment

• Whether your doctor has advised home treatment for you or not

• If the treatment is included in the domiciliary care of your plan

• If the sum insured of home treatment is part of the overall coverage of your health insurance policy

• Check the waiting period for illnesses under home treatment

• Check the inclusions and exclusions for home treatment

• Check if the premium is more for home treatment coverage

• Check the claim process and settlement time

• Make sure you have access to proper equipment and trained staff to take care of you at home

Conclusion

If your doctor advises home treatment, then there is nothing like it. You can be with your family while availing medical care from the comfort of your home. But can you claim for the home treatment expenses? Yes, if domiciliary treatment is included in your senior citizens health insurance policy or the normal policy. If it is not, you can buy it as an add-on cover. So, before you opt for home treatment, make sure it is covered by your plan.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

Does Home Treatment Cover Under Your Health Insurance Policy?

Why Home Health Care Is An Important Part Of Health Insurance

Cashless Home Healthcare Now Possible With My:Health Suraksha