Importance Of Getting Health Insurance Policy Which Covers Home Treatment

When an insured individual receives medical treatment at home, this is referred to as domiciliary hospitalisation. It has undoubtedly proven to be beneficial to many Covid-19 patients, since hospitals were forced to turn them away owing to a lack of beds, oxygen, and medications, among other things. These pandemic sufferers had little alternative but to seek care at home. Several of them were left gasping for breath since there were no beds available.

As the COVID-19 epidemic expanded across the country, the Insurance Regulatory and Development Authority of India (IRDAI) encouraged insurance companies to include home treatment or domiciliary therapy as an add-on service when purchasing a medical insurance policy. To find more about the importance of getting health insurance covering home treatment, read on.

What Exactly Is The Meaning Of Home Treatment?

This occurs when an insured individual requires healthcare at home because they are unable to be moved to a hospital due to a scarcity of hospital beds or their health condition. Domiciliary hospitalisation has unquestionably proven to be useful to certain COVID-19 patients that were unable to be accepted to hospitals owing to a shortage of medications, beds, oxygen, and other resources.

When Is Exactly Home Treatment Required For A Person?

Before you may get home or domiciliary therapy, you must meet certain prerequisites. When it comes to making a claim on your medical insurance coverage, these factors are critical.

Following are the listed factors under which you can receive home treatment -

1. Home treatment, rather than hospitalisation, is recommended by your doctor or other medical practitioner for your rehabilitation.
2. If the patient is unable to acquire a hospital bed despite their best efforts, or if there are no accessible hospital beds.
3. If the patient has a pre-existing condition or comorbidities that prevent them from being admitted to the hospital.

The cost of medical equipment, medications, and doctor's visits are all handled by the home health care treatment option, and in the case of coronavirus insurance plans like the Corona Kavach policy, oxygen cylinders are included in the health insurance coverage. Domiciliary procedures are typically covered for 14 days in most homecare treatment plans.

How Can A Person Claim Home Treatment Under A Health Insurance Plan?

Home treatment may be covered by your health insurance coverage, but there are a few steps you must follow before you can take use of these advantages. To begin, you must inform your medical insurance company that your doctor has recommended Home Treatment. This must also demonstrate that, while hospitalisation was required in your case, home therapy would have been a right match for your health requirements.

It is vital to have the necessary paperwork or documents when submitting a claim under your medical insurance coverage. As a result, you'll be required to provide up all of your information, including medical tests, prescriptions, CT scans, or any other diagnostic imaging you've had. Keep track of all of your bills and receipts for these expenses so that seeking refunds is simple. Gather and save any invoices for hospital equipment purchases, as some health insurance plans will pay for them as well.

Also, keep in mind that keeping track of your medications is crucial. A person must get a valid prescription from their respective chosen medical practitioner, whether through an online consultation, a phone call, or a personal visit. Keep in mind that you must declare on all of these prescriptions that you have been given Home Treatment.

Endnotes

Don't worry if your current health insurance plan doesn't cover domiciliary hospitalisation; you can always have it updated with add-on coverage or transfer it to a new health insurance plan when you're ready to buy. Also, make sure you properly examine the policy's features and benefits.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.