Domiciliary hospitalization refers to medical treatment provided to a patient in their home, which would have otherwise been provided in a hospital. It is a benefit in many health insurance plans wherein the policyholder is considered as hospitalized even when they are getting treated at home. Here are some key points about domiciliary hospitalization:
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Definition: Domiciliary hospitalization is hospitalization at home. It is also known as home hospitalization.
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Coverage: Domiciliary hospitalization is an add-on that has to be purchased at an additional cost with the health insurance plan. It covers all general expenses related to the hospitalization, including boarding expenses, room charges, and medical expenses.
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Eligibility: Domiciliary hospitalization is applicable only in special cases where the doctor will advise home treatment if a person is unable to receive hospital treatment due to an illness, disease, or injury.
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Claim: The insurer will check the medical records and reports before settling a domiciliary hospitalization insurance claim. The treatment must last for more than a day to claim domiciliary hospitalization health insurance.
In summary, domiciliary hospitalization is a type of medical treatment provided to a patient at home, which is covered by some health insurance plans. It is only applicable in special cases where hospital treatment is not possible due to an illness, disease, or injury.
