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Domiciliary hospitalization refers to the medical treatment which you receive at home. A health insurance plan covers special situations where the insured is assumed to be hospitalized, even while being treated at home. Expenses related to domiciliary hospitalization are part of your health insurance policy in the following cases:

  • The treatment was specifically related to an illness, disease, or injury which would normally require hospitalization.
    • The insured patient’s condition does not let him/her shift to a hospital or nursing home. Or
    • The patient underwent the treatment at home due to the unavailability of accommodation at the nursing home or hospital(s).
  • The treatment must have lasted for at least three days.

Things to Remember:

  • If you feel it is crucial to have domiciliary hospitalization cover for any unforeseen emergency, look for a plan which specifically offers such a benefit.
  • Always go through the terms and conditions to be sure about the eligibility for availing domiciliary hospitalization related benefits.
  • In case your policy provides the cover, ensure to go through the inclusion terms and exclusions well beforehand. This will help in avoiding any disappointments later on.
  • Always ensure to provide all the necessary information while claiming domiciliary hospitalization.
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