The insurers usually need to be hospitalized to process health insurance claims. However, when a person can be very old or can be unwell to be hospitalized and the only option is to treat at home?
Treatment in one’s home or domicile treatment includes medical consultation, nursing care, medical counseling fees, medicines and home -made clinical trials. There are some exceptions in this form of treatment such as treatment for convenience, or for treatments that do not need to be hospitalized.
“Many insurance products provide dominated treatment. It meets people who are unable to go to the hospital and need to be treated at home. It is a low-utilized feature, but we are old as well as relevant,” Safe now says MD and Principal Officer of Insurance Brokers, Capill Mehta.
Coverage and exception
Diet treatment usually involves diseases and diseases that otherwise require hospitalization. It is not introduced for something as minor as physiotherapy at home.
“Treatment for chronic conditions, treatments that do not require hospitalization (such as physiotherapy for minor injuries), or can not be covered for fully convenience. Policyholders should fully review their policy documents or consult their insurer, which is to understand the boundary and limit,” The head of the policymate, Sidharth Sinhal said.
“Growning treatment, which involves receiving medical care at home under certain conditions, is an important feature offered by many modern health insurance policies. This advantage is designed for conditions where a patient is either taken to the hospital or when not possible due to lack of beds available in the hospital in the hospital, a landscape that has become especially relevant which has become especially relevant.”
Low awareness
Despite its characteristics, insurance coverage for home healthcare services is still in its newborn stage, with low awareness and even slow adoption. Additionally, spending money from pockets on the treatment of elderly people in India is quite common, thus these schemes are either uninterrupted or reduced.
“According to an IRDAI report, only 10 percent of health insurance policies cover home care services, mainly for specific conditions such as fever management and physiotherapy. India’s elderly suffer from chronic diseases of more than 70 percent of the population such as diabetes, hypertension, and cardiovascular disorders, upgrades, upgrades.
“Such policies should cover a wide range of medical services, be inexpensive, and supported by physicians. Applying these measures can improve hospitalization and clinical results and improve clinical results, taking advantage of the personal approach to domestic health services.”
