Mr. Rohit Kumar, a Software professional from Mumbai, recently got acquainted with a niche part of Health Insurance called ‘Domiciliary Hospitalization’.
Rohit’s grandfather was extremely unwell and he was even more distraught when he was informed by the Doctor that his grandfather’s condition was so frail that they couldn’t even move him to the hospital. It is common knowledge that a health insurance claim can only be approved when a person is admitted to the hospital for at least 24 hours. Therefore, Rohit was upset that even after being a prudent person and covering his grandfather with a health policy, he had to pay the healthcare expenses from his own pocket.
That’s when he was enlightened about wonders of Domiciliary Hospitalization.
Let’s understand what Domiciliary Hospitalization actually means:
Domiciliary Hospitalization is a feature through which a patient receives the necessary treatment at home due to the lack of accommodation in nearby hospitals or when the patient’s condition is too critical to be moved to the hospital. In addition, it is crucial that the medical treatment lasts for at least 3 days. Obviously, a call on the treatment needs to taken by a Doctor after careful assessment of the patient.
Against popular belief, all major health insurance companies offer the facility of ‘Domiciliary hospitalization’.
Benefits of Domiciliary Hospitalization:
Let’s breeze through the main benefits of ‘Domiciliary hospitalization’ to understand the topic in detail:
1. Contagious diseases: Whenever there is widespread of contagious disease such as SARS, Swine-flu, Plague etc a large number of people are infected and need hospitalization. In such a scenario, a majority of the hospitals are occupied and overflowing with people. This is where ‘Domiciliary Hospitalization’ comes into the picture. Domiciliary hospitalization is most useful in this situation.
2. Critical cases: There are a large number of cases where the patient’s condition is so critical that he can’t even be moved to the hospital. Obviously, no Doctor would like to take a risk with his patient’s life. Therefore, the necessary treatment is given to the patient at the comfort of his home.
3. It is covered by Insurance companies: Most health insurance companies understand the need for treatment at home and willingly cover it. However, it needs to be noted that not all illness or ailments are covered under this feature and that cashless health insurance service is not offered with it. The patient’s family members need to make the payment and apply for reimbursement at the health insurance company.
4. It is more convenient for relatives: When the patient receives treatment at home, it is more convenient for relatives to take care of him/her.
Thus, it is clear that there is another option for health insurance policyholders to make use of their mediclaim insurance. You can opt for Reliance Medical Insurance as it provides domiciliary hospitalization is convenient and provide you hassle free service.