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What is Domiciliary Hospitalization in Health Insurance Plan?

Domiciliary Hospitalization, also commonly known as Home Hospitalization is when you are undergoing treatment for a specific illness or disease, but at home instead of the hospital.

This usually happens if one cannot be moved to the hospital, or when there is no hospital bed available. All medical expenses in this case are covered by your health insurer, as long as it’s a benefit included in your health insurance policy or that you've opted for domiciliary hospitalization as an add-on cover.

What Type of Coverage is Included for Domiciliary Hospitalization?

What are the Benefits of Domiciliary Hospitalization?

Ready for uncertain situations The biggest benefit of having a domiciliary hospitalization is that you are covered in uncertain situations. For example, domiciliary hospitalization is covered if there are no hospital beds available. This situation was especially true amid the ongoing COVID-19 pandemic. In such a situation, one can still get the right medical treatment at home through the domiciliary hospitalization benefit.
Flexibility of treatment Sometimes, one can be so ill that they cannot even be moved to the nearest hospital. In such a case, the domiciliary hospitalization benefit can be your savior as it still gives you the flexibility and ease of being medically treated at home.
Prevent further medical issues Domiciliary hospitalization is usually availed if you are extremely sick and cannot be moved to the hospital, or there are no hospital beds available. In some cases, this can turn to be quite risky as one’s health can deteriorate if treatment is not done on time. The domiciliary hospitalization benefit gives you the advantage to get treated at home and get the right treatment, at the right time.

What is covered in Domiciliary Hospitalization with Digit’s Health Insurance?

At Digit, Domiciliary Hospitalization is included as a benefit for all health insurance plans bought for seniors. Here is what it covers specifically:

  • All medical expenses due to the treatment of an injury or illness done at home, which would have otherwise required hospitalization.

Conditions Under which one can avail for Domiciliary Hospitalization with Digit’s Health Insurance for Seniors

Transparency is one of the values we live by 😊 Hence, we would like you to know beforehand the conditions under which domiciliary hospitalization will be covered:

  • If the condition of the patient is such that he/she cannot be moved into a hospital or, that there are no hospital beds available.
  • If the medical treatment required continues for least 3-days. 

 

What is not covered in Domiciliary Hospitalization with Digit’s Health Insurance?

Claims are not covered for home treatments due to the following:

  • Asthma
  • Bronchitis
  • Tonsillitis
  • Upper Respiratory Tract Infection including Laryngitis and Pharyngitis
  • Cough and Cold
  • Influenza
  • Arthritis
  • Gout and Rheumatism
  • Chronic Nephritis 
  • Nephritic Syndrome
  • Diarrhea
  • All types of Dysenteries including Gastroenteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Psychiatric or Psychosomatic Disorders of all kinds, Pyrexia of unknown origin. 

FAQs on Domiciliary Hospitalization

Can anyone opt for domiciliary hospitalization?

This primarily depends on your type of health insurance plan and your health insurer. At Digit, we offer domiciliary hospitalization only in health insurance plans for seniors as they are the ones who most often need this benefit.

What type of treatments are covered in domiciliary hospitalization?

This too would depend insurer to insurer. However, domiciliary hospitalization usually covers all kinds of treatments except, those specifically mentioned by your insurance provider. (Check above for what’s not covered under Digit’s Health Insurance)  

Is there a waiting period for domiciliary hospitalization?

No, there is usually no waiting period for domiciliary hospitalization.

How many days can I opt for domiciliary hospitalization?

At Digit, you can opt for domiciliary hospitalization for minimum 3-days of treatment.

Is domiciliary hospitalization only applicable to senior citizens?

Although this would differ insurer to insurer, and plan to plan, most health insurers including Digit offers this as a benefit included for senior citizens only.