Among various other things, the Covid-19 pandemic made us realize the importance of one of the significant Health Insurance add-ons – that is the Home or Domiciliary Treatment Add-On. So, How and When does a Domiciliary Treatment help an insured?
Let us discuss what Domiciliary treatment is and in what conditions a Domiciliary Treatment is required.
What is Domiciliary Treatment ?
When a patient having insurance avails health treatment at his/her own residence, it is called Domiciliary treatment. This treatment helped numerous patients to recover from covid-19 at home during the different phases of the pandemic when hospitals were overflowing with patients and lacked the basic requirements like bed, oxygen cylinders, medicines etc.
So, let us discuss when and in what situations patients require domiciliary treatment.
Need of Domiciliary Treatment
An insured patient required to avail domiciliary treatment when the doctor instructs them to get treatment at home due to certain specific reasons. Also, if there is no hospital bed available for the insured patient, he/she can avail domiciliary treatment. Further, in certain cases if the patient has a contagious disease and the existing condition doesn’t permit hospital stay, then he/she can avail domiciliary treatment.
As stated earlier, the actual need of the domiciliary treatment was felt during the different phases of covid-19 pandemic when patients outnumbered the hospital beds to a great extent in most health care facilities across the country.
What expenses are covered under Domiciliary Treatment?
Now, before you avail the domiciliary treatment option in your insurance, let us find out what all expenses are covered under this treatment facility.
Domiciliary treatment covers expenses like:
- Medical equipment costs
- Medicine costs
- Doctor’s consultation fee
- Oxygen cylinders (under health plans covering Covid-19 treatment). Also, in this case the patient gets home treatment of up to 14 days.
Sub-limits or Cap of Domiciliary Coverage Reimbursement
In health insurance, sub-limit means a cap on the coverage amount allowed to cover specific expenses incurred under a particular health treatment. In case of domiciliary treatment coverage, some health insurance providers allow it as a specific percentage of sum insured, while some allows it as add-on coverage.
However, you must note that under domiciliary treatment a cashless facility may or may not be available depending on your insurer and the policy coverage you have applied for. So to avail domiciliary hospitalization coverage, it is important to have domiciliary hospitalization benefit under your health insurance policy so that you can seek reimbursement for the same.
Process to Claim Reimbursement for Domiciliary Treatment?
To claim for reimbursement of Domiciliary Treatment, you must ensure to keep all medical copies safe so that you can have a hassle free experience.
Here, you can see what all documents you would require and how you can proceed with the treatment.
- The first requirement is the proof from the health practitioner stating that the insured patient requires domiciliary treatment.
- Other documents include Investigation reports of the treatment. These include
- Medical tests
- CT scan copies
- Other diagnostic test copies, etc.
Further, the insurance company can ask for any other document like receipts and bills of the expenses that you have spent.
- Whether you visit the doctor personally or online, make sure to have the prescription mentioning the requirement of domiciliary hospitalization.
- Similarly, try to get receipts for the medical supplies as well.
- Also, you must note that all health insurance plans may not have domiciliary or home treatment as a default coverage. So, confirm with your health insurance provider if they offer such coverage and what all benefits are allowed.
As discussed above, the home treatment coverage is very important and must be a part of your health insurance policy. However, if for any reason you have not opted for home treatment as part of your existing health plan, you can upgrade it or buy it as add-on coverage. But, make sure to read and understand the policy documents in detail before buying the policy. Here, if you purchase the policy from Paybima.com, you can avail several additional benefits along with complete assistance in procuring the policy.
Further, do keep copies of bills, prescription, and other medical papers safely to submit at the time claiming for domiciliary treatment.