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Importance of Having Home Treatment Cover in Your Health Insurance

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The importance of having a health insurance was already known, but the coronavirus pandemic emphasized the seriousness of it at the time of need. A good health insurance policy can provide you the best health care and medical treatment in case of a medical emergency. It is a financial shield that protects you against unexpected healthcare expenses. However, it is not always necessary that you need to be hospitalized in order to claim health insurance. The benefits of hospitalization can be availed for a home treatment as well, if it is covered under your health insurance plan.

What is Home Treatment?

It is also known as domiciliary treatment or care and refers to a scenario where a policyholder requires hospitalization but is treated at home. This may happen due to the following reasons:

• The patient’s health condition is such that he/she can’t leave home or shift to a hospital.

• There is a shortage of beds or other resources.

• The doctor recommends the patient to get treatment at home instead of at a hospital.

What is Included under Home Treatment?

The inclusion depends on the insurance company. You can check with your insurer what coverage is offered under your health insurance. The expenses that are covered by most insurers under domiciliary care are:

• Cost of domiciliary treatment like doctor’s consultation and home visit fees, cost of medicines, diagnostic tests, nursing support, cost of medical equipment, etc.

• Pre and post-hospitalization expenses.

• Chronic care expenses such as check-ups, daycare, frequent consultations, etc.

But home treatment will not include self-treatment at home without a doctor's prescription. Some policies have a built-in coverage for home treatment and some present it as an add-on health insurance cover.

For claim settlement, inform your health insurer in advance and provide all the required medical documents. You will be required to provide a doctor's prescription for domiciliary hospitalization, all medical tests, medical bills, and all other expenses bills.

Reasons to Get Health Insurance that Includes Home Treatment

• The policyholder need not be hospitalized to avail the benefits of health insurance. She/he can still claim health insurance while being treated at home at their convenience.

• Like cashless hospitalization, many insurance companies provide cashless home treatments as well. For cashless home care, original invoices with a doctor's recommendation are required.

• Home treatment is relatively less costly than hospitalization, as room rent, cost of food, travelling and service taxes are saved. Therefore, it is useful for both insured as well as the insurer.

Conclusion

During the coronavirus pandemic, there have been many cases where Covid-19 treatment was given at home due to a lack of beds. In situations like that getting home treatment covered under your health insurance is beneficial. Also, do to check with your doctor whether to opt for home treatment or not before you buy health insurance.

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

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