The significance of health insurance is something that the pandemic has made everyone realise. The public’s perception of health insurance is shifting as more people realise the importance of being prepared for any medical emergency. In the event of a medical emergency, a good health insurance policy can offer you the best health care and medical treatment. It’s the financial safety net that guards you from unexpected medical bills. However, you are not always required to be hospitalised in order to file a claim for health insurance. If your health insurance plan covers it, you can get all of the benefits of hospitalisation in a home treatment.
Let’s learn more about home treatment and how to file a claim for it with your health insurance.
What is the definition of home treatment?
It’s also known as domiciliary treatment or care when an insured person needs to be admitted to the hospital but is treated at home. This could be due to any of the following factors:
- The patient is so sick that he is unable to leave his home or transfer to a hospital.
- The hospital is unable to accommodate the patient due to a paucity of beds or other resources.
- The doctor suggests that the patient receive therapy at home rather than at a hospital.
What Does Home Treatment Include?
The health insurance plan will cover all of the costs associated with the at-home therapy. Varying insurers provide different levels of coverage. You can inquire about the coverage provided by your health insurance with your insurer. The following expenses are typically covered under domiciliary care:
- Expenses associated with domiciliary treatment, such as doctor consultation and home visit fees, drug costs, diagnostic test costs, nursing assistance costs, medical equipment costs, and so on
- Expenses incurred prior to and following hospitalisation.
- Check-ups, daycare, regular consultations, and other chronic care costs
However, self-treatment at home without a doctor’s prescription is not covered by home treatment. Some policies include coverage for home treatment as standard, while others offer it as an add-on health insurance benefit.
Inform your health insurer ahead of time and supply all essential medical documentation for a simple and rapid claim payment. A doctor’s prescription for domiciliary hospitalisation, as well as all medical tests, medical bills, and other spending bills, will be requested.
Here’s Why You Should Get Home Treatment Covered Health Insurance:
- It is not necessary for the insured to be hospitalised in order to receive the benefits of health insurance. He can continue to use his health insurance while getting treated at home.
- Many insurers offer cashless home treatments in addition to cashless hospitalisation. Original invoices with a doctor’s prescription are required for cashless home care.
- Home care is less expensive than hospitalisation since it saves money on room rent, meals, travel, and service taxes. As a result, it benefits both the insured and the insurer.
Important Considerations When Choosing Home Treatment:
- The coverage or sum insured for home care is included in your health insurance policy’s overall coverage.
- Check your health insurance coverage for home treatment inclusions and exclusions.
- Check the time frame for certain medical ailments and diseases that are being treated at home.
- Check to see if the treatment you’re getting is covered by your health insurance plan’s domiciliary care.
- Check your home insurance policy’s premium for additional home treatment coverage.
- Consult your doctor to see if home therapy is appropriate for you.
- Check your insurer’s criteria for all paperwork and prescriptions.
- Examine the claim procedure and the time it takes for a claim to be settled.
- Make sure you have suitable medical equipment from a GST-registered company, as well as skilled personnel to care for you at home.