Ever since the onset of the COVID-19 pandemic, people have preferred to stay safe within the comforts of their homes. India has gone through multiple waves, and if the past has taught us anything, it is that quarantining at home is better than being hospitalized if you have a light to moderate case of COVID-19. 

But home quarantine isn’t inexpensive! You might need to buy equipment to set up a home ICU and also purchase other services, such as nurse visits, delivery of required medicines, oximeters, and thermometers, things that are related to the treatment of COVID-19. This is why you must try to cover the costs incurred during your home quarantine via your health insurance.

But not every health insurance policy offers coverage for treatments at home. This is why when you are choosing a health insurance plan, it is important to ensure that it covers domiciliary hospitalisation. You must be having questions, such as what is domiciliary hospitalisation, what are its benefits, what conditions are not covered under it, and which health insurance policies cover it. Here is an answer to all of these questions:

What is the meaning of domiciliary hospitalisation?

Domiciliary hospitalisation (also known as home hospitalisation) refers to a situation when a patient is undergoing treatment for a particular disease or illness at home instead of the hospital. This generally happens if the patient is not in the condition to be moved to a hospital or when there are no hospital beds available, which became a harsh reality during the second wave of the pandemic back in April 2021.

What are the benefits of domiciliary hospitalisation?

Domiciliary hospitalisation either comes as a part of your health insurance plan, or it would be available as an add-on. Here are a few benefits that prove why you should ensure that domiciliary hospitalisation is a part of your coverage:

1. Prepares you for uncertain situations

Life has become more uncertain than ever before, owing to the ongoing global pandemic. You can never know when the next wave strikes, but if it does, you must prepare yourself. As it was evident in the previous waves, finding hospital beds can become challenging. With domiciliary hospitalisation in your health insurance cover, you won’t have to worry about hospitalisation as it would enable you to get treatment in the safety of your homes. Hence, domiciliary hospitalisation prepares you for uncertain situations.

2. Prevents further medical issues

There can be situations in the future when you can’t afford any delays and need to start treatment immediately at home. This is where domiciliary hospitalisation can help you! You can make a home ICU and hire nursing and medical services without thinking twice about the cost, as domiciliary hospitalisation will help you in covering it. So, to sum it up in simple terms, domiciliary hospitalisation helps you get the right treatment at the right time!

3. Flexibility of treatment

Under certain unforeseen circumstances, anyone can fall severely ill, so much so that they cannot be transferred to even the nearest hospital. In these situations, domiciliary hospitalisation can become your guardian angel! It brings the hospital to the comforts of your home, giving you complete flexibility in treatment.

4. A familiar atmosphere

When you are undergoing treatment for a condition, such as COVID-19, your mental health will play a significant role in recovery. According to the data published by several studies, patients tend to recuperate more quickly when they are in a familiar atmosphere. Through domiciliary hospitalisation, you will be able to get treated at your home. By being surrounded by your loved ones and being treated in a familiar atmosphere, you will be able to recover quickly.    

What conditions are not covered under domiciliary hospitalisation?

Domiciliary hospitalisation helps in covering the expenses incurred due to home quarantine. However, it will not be applicable for the following conditions:

• Diarrhoea
• Asthma
• Nephritic syndrome
• Bronchitis
• Chronic nephritis
• Tonsillitis
• Gout and rheumatism
• Upper respiratory tract infections (including laryngitis and pharyngitis)
• Arthritis
• Cough and cold
• Influenza
• Every type of dysenteries, including diabetes mellitus, gastroenteritis, and insipidus
• Epilepsy
• Hypertension
• Psychiatric or psychosomatic disorders of all kinds
• Pyrexia of unknown origin

Which health insurance policies offer domiciliary hospitalisation?

The following health insurance policies offer domiciliary hospitalisation:

1. Corona Kavach Policy

The Corona Kavach Policy has been specifically launched for COVID-19-related treatment. It covers home treatment expenses (for up to 14 days) that include the costs incurred on PPE kits, gloves, masks, pulse oximeters, oxygen cylinders, and nebulizers. Moreover, it will also provide coverage for doctor consultations, diagnostics, and pharmacy bills for up to 14 days.

2. Aditya Birla Capital Activ Assure Diamond Plan

The Aditya Birla Capital Activ Assure Diamond Plan offers more comprehensive coverage. It covers in-patient hospitalisations, which means when you have to stay in the hospital for more than 24 hours, they will cover expenses related to room rent, doctor’s fees, medicines, and so on. It will also include domiciliary hospitalisation, covering expenses incurred on medical treatment at home for a period exceeding three days, making it ideal for COVID-19 induced home quarantine. Some of its other notable inclusions are 100% ambulance cover, AYUSH in-patient treatment, and hospital allowance.    

3. Care Health Care Insurance Plan (Formerly Religare Care)

The Care Health Care Insurance Plan (Formerly Religare Care) covers 30-day pre-hospitalisation charges, ambulance expenses, in-patient hospitalisation for a minimum of 24 hours (includes room rent charges, intensive care unit charges, nursing expenses, etc.), annual medical check-ups, and yes, domiciliary hospitalisation. However, to cover the costs incurred because of COVID-19 induced home quarantines, you will have to opt for an add-on: either Covid Care or Covid Care with OPD.    

Conclusion

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