What Is Domiciliary Hospitalization In The Oeuvre Of Health Insurance?

The concept of domiciliary hospitalization in the oeuvre of health insurance policies has gained quite a considerable amount of popularity in the last few decades. It has redefined the way people perceive the benefits of medical insurance. Imagine getting priority treatment in the comfort of your home while facing some medical issues. Wouldn’t it be great?

Domiciliary claim in a health insurance policy is something that makes top-notch medical care at home possible. Read thoroughly till the end to know everything about domiciliary hospitalization and claim.

What Is Domiciliary Hospitalization?

Domiciliary hospitalization is a sophisticated term given to hospitalization at home or home healthcare. This represents a unique arrangement of healthcare where the individuals can entertain the benefit of treatment within the comfort of their own house.

Domiciliary treatment is done by transforming a patient’s home into a makeshift healthcare facility where a variety of medical services are provided to the patient. This includes all the necessary healthcare procedures involving diagnostic tests, doctor consultations as well as nursing care.

When Is Domiciliary Hospitalization Permitted In Health Insurance Policy?

The claim for domiciliary hospitalization can be carried out based on various factors such as the policy terms and the concerned insurance provider, among many more. Typically, medical insurance policies allow domiciliary hospitalization under the circumstances which are explained below in detail:

Healthcare Necessity:

Domiciliary hospitalization is typically allowed under special medical necessity when it is found that the medical condition of the patient requires constant medical attention and care that can be efficiently offered in the comfort of home.

The decision concerning domiciliary treatment is finalized on the basis of the severity and nature of the illness, the availability of all the required equipment and healthcare facilities as well as the condition of the patient’s health.

Coverage Of The Insurance Policy:

Usually, medical insurance policies clearly highlight the terms and conditions concerning the coverage of domiciliary hospitalization. This may include the specific treatments or medical issues eligible for a domiciliary claim, and maximum coverage duration, among other limitations or requirements.

Availability of Treatment:

Permission for domiciliary hospitalization may be granted when the required healthcare treatment can be done at home without compromising the efficacy of the treatment or the patient’s well-being.

Unavailability of Beds In Hospital:

In certain cases, there might be unavailability of hospital beds. Under such circumstances, medical insurance policies may approve the claim for domiciliary hospitalization in place of inpatient hospitalization.

How Does Health Insurance’s Domiciliary Hospitalisation Work?

If the health insurance policy that an individual has opted for comes with the domiciliary hospitalization feature, the insurer is required to compensate for all the costs concerning treatment at home, just as their reimbursement policy for standard hospitalization. For this, one must file a claim for domiciliary hospitalization with the respective medical insurance provider.

It must be remembered that no medical insurance policies come with the added benefit of domiciliary hospitalization by default. Therefore it is essential to ensure that your selected medical insurance coverage contains this particular feature.

Additionally, it must also be noted that the domiciliary hospitalization feature comes with extra costs other than the regular health insurance premium. Consider adding the feature to your coverage if there is a need for it. 

Essential Checklists Before Evaluating The Benefits Of Domiciliary Hospitalisation

It is often recommended by experts to thoroughly go through the terms and conditions of the health insurance and note all the essential elements, including the following:

  • The conditions must be fulfilled for qualifying the availability of the advantage of domiciliary hospitalization.
  • The period of waiting for domiciliary hospitalization for particular diseases and health conditions.
  • The exclusion and inclusion in the policy of your medical insurance, both in terms of standard policy and policy concerning domiciliary hospitalization.
  • The additional cost and the time period throughout which the feature of domiciliary hospitalization is valid on your medical insurance policy.
  • The permissible treatments that would act as the base for domiciliary hospitalization like ayurvedic, allopathic, or homoeopathic treatments.
  • The document requirements and all relevant information by your medical insurance policy provider, including the doctor’s prescriptions and medical history, among many more.
  • The entire procedure of claim for domiciliary hospitalization.

Considering all these checklists before opting for health insurance with the domiciliary claim will help you to stay financially secure and stress-free in the long run.


To sum up, domiciliary hospitalization is indeed a valuable aspect of medical insurance policies that offer patients the utmost convenience and flexibility of treatment by providing healthcare facilities in the comfort of their homes. Therefore patients can recover in their homely environment amidst the presence of their loved ones and also lower the burden on hospitals by helping them to keep the beds free for more critical patients.