Importance of Getting Health Insurance That Covers Home Treatment

As the COVID-19 pandemic spread across India, the Insurance Regulatory and Development Authority of India (IRDAI) advised insurance providers to include home treatment or domiciliary treatment as an add-on facility when purchasing a medical insurance policy, as the scenario repeated itself in every state and with larger and larger pockets of the population.

As the COVID-19 pandemic spread across India, the Insurance Regulatory and Development Authority of India (IRDAI) advised insurance providers to include home treatment or domiciliary treatment as an add-on facility when purchasing a medical insurance policy, as the scenario repeated itself in every state and with larger and larger pockets of the population.

What Does It Mean To Get Treatment At Home?

This occurs when an insured person 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 some COVID-19 patients who were unable to be admitted to hospitals due to a lack of medications, beds, oxygen, and other resources.

When Is It Necessary to Receive Treatment at Home?

Before you can receive home or domiciliary treatment, you must meet certain prerequisites. These elements are highly important when it comes to filing a claim on your medical insurance coverage. The following are the circumstances in which you may receive treatment at home:

Home therapy, rather than hospitalisation, is recommended by your doctor or other medical practitioner for your rehabilitation.

If the patient is unable to acquire a hospital bed despite all efforts, or if there are no hospital beds available,

If the patient has a pre-existing sickness or comorbidities that preclude them from being admitted to the hospital

Medical equipment, medications, and doctor's consultations are all covered under the homecare treatment option, and in the case of coronavirus insurance plans like the Corona Kavach policy, oxygen cylinders are included in the health insurance coverage. The majority of homecare treatment plans cover domiciliary surgeries for 14 days on average.

How Do I File A Health Insurance Claim For Home Treatment?

Home therapy 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 prescribed Home Treatment. This must also demonstrate that, while hospitalisation was required in your situation, home therapy would be a better fit for your health needs.

It is vital to have the necessary paperwork or documents when filing a claim under your medical insurance coverage. This is particularly true when it comes to domiciliary care. As a result, you'll have to hand up all of your data, including medical tests, medications, CT scans, and any other diagnostic testing you've had done. Keep track of all of your bills and receipts for these expenses so that seeking refunds is simple. Make a point of collecting and saving any receipts for medical equipment purchases, since some health insurance policies will cover this as well.

Also, keep in mind that keeping track of your medications is crucial. A valid prescription must be obtained from your selected 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 prescribed Home Treatment.