Knowledge Centre

Cashless home healthcare Now Possible With my:health Suraksha

When 60 year old Rajeev got an infection in his leg and the doctor asked him to get admitted to the hospital, he refused straightaway. He insisted that the treatment can be continued at home and he will be just fine.

Rajeev’s reaction was not unusual. For a lot of people, especially elderly patients, just the thought of being admitted to a hospital can be upsetting.

It can mean leaving your comfort zone and staying away from your family and pets. It also means leaving the familiar surroundings that instill a sense of safety as well as disrupting the routine they find solace in. Unless the illness is something that cannot be treated at home, most people prefer home hospitalisationrather than getting admitted to the hospital.

However, one major problem patients faced when seeking treatment at home is the insurance coverage. Traditional health insurance plans only provide cover for hospitalization expenses. That means all the expenses for home treatment have to be paid from your own pocket. To help patients in such times of need, HDFC ERGO now offers *Cashless home healthcare under my health:Suraksha.

What is *Cashless Home Healthcare?

This is similar to cashless hospitalization but instead of being admitted in a hospital, the patient gets coverage for the treatment he seeks at home. It is important that the treatment is prescribed bythe treating Medical Practitioner and falls under the scope of the insurance policy.

You can avail *Cashless home healthcare facility only through HDFC ERGOs network service provider. If you have opted for the optional cover of co-payment, you will need to bear a specified percentage of admissible claim amount for every claim you make.

Under cashless home healthcare, you will get paid for medical expenses incurred for treatment such as:

  • Gastroenteritis
  • Bronchopneumonia
  • Respiratory tract infection
  • Chemotherapy
  • Pancreatitis
  • Dengue
  • COPD management
  • Hepatitis
  • Fever management

Domiciliary Hospitalization

The my:healthSuraksha insurance policy also pays for Domiciliary Hospitalization of patients in certain circumstances which include the following.

  1. That the condition of the insured person is such that it is impossible to move him/her to a hospital
  2. It is prescribed by a treating medical practitioner
  3. Non-availability of rooms in the hospital forcing the patient to seek treatment at home.

In case of Domiciliary Hospitalization, you cannot opt for post-hospitalization cover. Whereas you can get compensated for Medical Expenses incurred during the 60 days immediately before hospitalization. Just like in cashless home healthcare, here also you will need to bear a specified percentage of admissible claim amount for every claim you make if you have opted for the optional cover of co-payment

How Will *Cashless home healthcare Benefit the Insured?

There are many tangible and intangible benefits of *Cashless home healthcare for the insured person.

  • The most important benefit is that the patient can now choose to continue the treatment at home and does not need to get admitted to the hospital just to become eligible to make an insurance claim. Now, he can make the decision by taking into account not just insurance coverage but also the best course of action as per his convenience.
  • **Cashless home healthcare allows you to avail the best healthcare from the comfort of your home.
  • You do not have to worry about arranging cash for home hospitalization. If you are seeking treatment from one of the network hospitals/clinics, you can seek cashless healthcare.

While some may be concerned about the quality of healthcare services provided at home and the availability of emergency medical aid, this fear can be easily assuaged by reaching out to a hospital in our network.

The Process

The home-based treatment will be based on doctor’s certification. However, it is recommended that you speak to your insurance company and take prior approval. Even when the ailment is listed on the covered treatment, you should inform the company to avoid any complications later.


Thanks to the advancement in the medical technology, a lot of medical procedures do not require hospitalization any longer. Our my:healthSuraksha covers many of these treatment along with domiciliary treatment and post-hospitalization expenses.

Therefore, in today’s time, home hospitalisation comes as a boon for patients who can now seek best treatment while being with their family and in the comfort of their home.

So what are you waiting for? Insure yourself and your loved ones to avail the best possible care with my:heath Surakhsa.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

*Cashless home healthcare available in selected cities. *T&C apply. my:health Suraksha HDFHLIP20049V041920, UID No: D2HI482.

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