Health Insurance Claims Without Hospitalization
Dec 2, 2021

Here’s How You Can Claim Health Insurance Without Hospitalization

Health insurance in today’s day and age is not a luxury anymore. It is gradually becoming a standard practice to invest in one. In addition, more and more people are opting for health insurance plans to safeguard their finances. A medical exigency brings about mental stress for the family along with financial stress considering the mounting cost of medical bills. However, health insurance policies are a nifty way to ensure combat the soaring medical inflation numbers. But when you think of health insurance plans, it is often an assumed that hospitalisation for over a day is a prerequisite. With development of medical technology, it is no longer necessary for all treatments requiring prolonged hospitalisation. Many treatments nowadays can be availed without requiring an admission to the hospital and in less than a day. These treatments are called day-care treatments.

What are day-care procedures?

A day-care procedure is the medical treatment that does not require hospitalisation and can be completed in less than 24 hours. Owing to the development in medical science, it is now possible to treat many ailments in a shorter duration as compared to earlier. Generally, the time required for a day-care procedure ranges between 2 hours but less than 24 hours. Although these procedures are quick, its treatment cost is high and hence need to be covered in your insurance policy. Cataract procedures, radiotherapy, chemotherapy, septoplasty, dialysis, angioplasty, tonsillectomy, lithotripsy, hydrocele, piles and fistula, sinusitis, appendectomy, liver aspiration, colonoscopy ENT-related and certain dental ailments are some treatments that are covered as part of day-care procedures. When buying a health insurance for senior citizens, it is essential to keep in mind to these coverages as with increasing age, dependence on medical treatment increases. Other than day-care procedures, there is one more health insurance feature that provides financial protection for treatments where the treatment cannot be sought at a hospital. It is called as domiciliary hospitalisation. * Standard T&C Apply

What is domiciliary hospitalisation?

This feature of health insurance plans allows you to avail treatment at you home when any condition prevents you from getting admitted to the hospital. It can be either availed where the illness is severe, and it limits the mobility of the patient. Alternatively, when there is a shortage of hospital beds, domiciliary cover can come handy as the insurance policy covers such treatment at your home. Treatments that last for a period of more than 72 hours are included under this feature, however, it is may vary from different insurance companies. There can be instances where a person cannot be shifted to a medical facility due to conditions like paralysis or fractures. This is when domiciliary cover comes handy. One important thing to remember is that domiciliary hospitalisation is specific in nature and does not consider alternative treatments such as Homeopathy or Ayurveda in its coverage. When buying a policy with domiciliary cover, remember that it works best in conjunctions with health insurance plans for family. Although, keep in mind that you must read the policy documents carefully and only then you will be able to take advantage of it. * Standard T&C Apply

Final word

Health insurance is no longer restricted in its narrow sense to require a hospitalisation anymore. There are different forms of treatment as mentioned above that help to seek medical treatment without having to visit a hospital. In addition to the above day-care procedures and domiciliary hospitalisation, you can also check for the insurance company’s stand on treatment required at outpatient department and related to dental procedures. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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