Buy Health Insurance Online

Exclusive

Wellness Benefits

24*7 Claims

Support

Tax Savings

u/s 80D

Zero Paperwork Online Process

Pin Code

+91 Enter Mobile Number

Try agian later

I agree to the Terms & Conditions

Port My Policy

Download Policy

(Incl 18% GST)

What is Domiciliary Hospitalization in Health Insurance Plan?

Domiciliary Hospitalization, also commonly known as Home Hospitalization is when you are undergoing treatment for a specific illness or disease, but at home instead of the hospital.

This usually happens if one cannot be moved to the hospital, or when there is no hospital bed available. All medical expenses in this case are covered by your health insurer, as long as it’s a benefit included in your health insurance policy or that you've opted for domiciliary hospitalization as an add-on cover.

Team Digit

What Type of Coverage is Included for Domiciliary Hospitalization?

Domiciliary Hospitalization in Health Insurance

What are the Benefits of Domiciliary Hospitalization?

Ready for uncertain situations

The biggest benefit of having a domiciliary hospitalization is that you are covered in uncertain situations. For example, domiciliary hospitalization is covered if there are no hospital beds available. This situation was especially true amid the ongoing COVID-19 pandemic. In such a situation, one can still get the right medical treatment at home through the domiciliary hospitalization benefit.

Flexibility of treatment

Sometimes, one can be so ill that they cannot even be moved to the nearest hospital. In such a case, the domiciliary hospitalization benefit can be your savior as it still gives you the flexibility and ease of being medically treated at home.

Prevent further medical issues

Domiciliary hospitalization is usually availed if you are extremely sick and cannot be moved to the hospital, or there are no hospital beds available. In some cases, this can turn to be quite risky as one’s health can deteriorate if treatment is not done on time. The domiciliary hospitalization benefit gives you the advantage to get treated at home and get the right treatment, at the right time.

What is covered in Domiciliary Hospitalization with Digit’s Health Insurance?

At Digit, Domiciliary Hospitalization is included as a benefit for all health insurance plans bought for seniors. Here is what it covers specifically:

All medical expenses due to the treatment of an injury or illness done at home, which would have otherwise required hospitalization.

Conditions Under which one can avail for Domiciliary Hospitalization with Digit’s Health Insurance for Seniors

Transparency is one of the values we live by 😊 Hence, we would like you to know beforehand the conditions under which domiciliary hospitalization will be covered:

If the condition of the patient is such that he/she cannot be moved into a hospital or, that there are no hospital beds available.
If the medical treatment required continues for least 3-days.

What is not covered in Domiciliary Hospitalization with Digit’s Health Insurance?

Claims are not covered for home treatments due to the following:

Asthma
Bronchitis
Tonsillitis
Upper Respiratory Tract Infection including Laryngitis and Pharyngitis
Cough and Cold
Influenza
Arthritis
Gout and Rheumatism
Chronic Nephritis
Nephritic Syndrome
Diarrhea
All types of Dysenteries including Gastroenteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Psychiatric or Psychosomatic Disorders of all kinds, Pyrexia of unknown origin.

FAQs on Domiciliary Hospitalization

All

Can anyone opt for domiciliary hospitalization?

This primarily depends on your type of health insurance plan and your health insurer. At Digit, we offer domiciliary hospitalization only in health insurance plans for seniors as they are the ones who most often need this benefit.

What type of treatments are covered in domiciliary hospitalization?

This too would depend insurer to insurer. However, domiciliary hospitalization usually covers all kinds of treatments except, those specifically mentioned by your insurance provider. (Check above for what’s not covered under Digit’s Health Insurance)

Is there a waiting period for domiciliary hospitalization?

No, there is usually no waiting period for domiciliary hospitalization.

How many days can I opt for domiciliary hospitalization?

At Digit, you can opt for domiciliary hospitalization for minimum 3-days of treatment.

Is domiciliary hospitalization only applicable to senior citizens?

Although this would differ insurer to insurer, and plan to plan, most health insurers including Digit offers this as a benefit included for senior citizens only.

Latest News

Currently there are no news to show.

More articles related to Health Insurance

Deductible in Health Insurance

Sum Insured in Health Insurance

Daily Hospital Cash Benefit

Types of Health Insurance

PED in Health Insurance

What is Copay in Health Insurance

Cancer Insurance Cover

TPA in Health Insurance

Difference between Mediclaim Policy and Health Insurance

Difference between Term Insurance and Health Insurance

Difference between Life Insurance and Health Insurance

What is Health Insurance

Best Health Insurance Policy in India

Daycare Treatment and Procedures in Health Insurance

Room Rent Capping in Health Insurance

Health Insurance for Diabetes Patients

Health Insurance covering Cataract Surgery

Health Insurance with Free Annual Checkup

Domiciliary Hospitalization in Health Insurance

Government Health Insurance Schemes

Sub-Limit in Health Insurance Policy

Cooling-off Period in Health Insurance

Loading in Health Insurance

Pre and Post Hospitalization Expenses in Health Insurance

GMC and GPA Policies in Health Insurance

Indemnity Health Insurance

Health Insurance for Disabled Persons

Difference Between Waiting Period and Survival Period

Types of Health Insurance Claims

Health Tips & Guides

Nutrition Tips & Guides

Human Wellbeing

Guides about different Diseases

Health Insurance Tips

Health Insurance for Smokers

Comprehensive Health Insurance

Buy Health Insurance on EMI

What is Nominee In Health Insurance

Grace Period in Health Insurance

Health Insurance for Parents of NRIs

Difference between Moratorium and Full Medical Underwriting

Exclusions in Health Insurance

Non - Medical Expenses in Health Insurance

Road Ambulance Cover in Health Insurance

Consumable Cover in Health Insurance

Air Ambulance Cover in Health Insurance

What Is Reimbursement Claim ?

Health Insurance Tax Benefits for Senior Citizens

Why Separate Health Insurance for your Parents?

Health Insurance After Retirement

Health Insurance for Pre-Retirees

Health Insurance for Freelancers and Self-Employed

Health Insurance for Government Employees

Why Health Insurance is Important for Mothers?

Difference Between Inpatient and Outpatient Hospitalisation

Restoration Benefit in Health Insurance

Cumulative Bonus in Health Insurance

Terminal vs Critical Illness

Health Insurance Myths

How to Choose the Right Sum Insured

Mental Health Insurance

Infertility Treatment Cover

Bariatric Surgery Cover

What is Organ Transplant Cover

AYUSH Benefit in Health Insurance

Compare Health Insurance

Maternity Health Insurance

Zone Based Health Insurance

Copay vs Coinsurance vs Deductible

Health Insurance Add-Ons

Health Insurance Benefits

Dental Health Insurance

Increase in Health Premium on Renewal

Fixed and Indemnity Health Insurance

Maternity Benefit without Waiting Period

Difference between Copay Coinsurance and Deductible in Health Insurance

Waiting Period in Health Insurance

Why Health Insurance Premium Increase on Renewal

Download Health Insurance Policy Wordings

Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

Get 10+ Exclusive Features only on Digit App

Install

Get 10+ Exclusive Features only on Digit App

Latest News

Currently there are no news to show.

Renew & Download Policy Document, Check Challan, Credit Score, PUC & more

43K+ Reviews

4.7

Rated App

43K+ Reviews

7K+ Reviews

4.4

Rated App

7K+ Reviews

Download the App

CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.