Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak Guaranteed Fortune Builder

A plan that offers guaranteed income for your future goals. Know more

Kotak e-Term

Protect your family's financial future. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and life cover. Know more

Kotak e-Invest

Insurance and Investment in one plan. Know more

Kotak Lifetime Income Plan

Retirement years are the golden years of life. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Are You Covered for the Home Treatment Cost Under Your Health Insurance Policy?

Health insurance policy includes a benefit called domiciliary hospitalization, which allows the policyholder to be treated at home. Click here to know more.

  • Feb 16, 2022

Due to a shortage of hospital wards during the second wave of the COVID-19 epidemic, many seriously ill people were compelled to remain at home and treat symptoms there. To assist such patients, several hospitals established COVID home care packages that included medical consultations, medications, and occasional home care for a set fee.

Some health insurance policies in India, particularly those issued in the last 4-5 years, offer the provision of domiciliary hospitalization as one of the health insurance benefits, that covers the expense of therapy at home as part of their health insurance coverage.

Medical insurance policy includes a benefit called domiciliary hospitalization, which allows the policyholder to be treated at home while still being considered hospitalized. Because hospitalization is taken care of by health insurance cover, the insurance provider is obligated to pay for medical treatment in this situation.

Conditions for Domiciliary Hospitalization In Health Insurance Coverage

The insured must fulfil the following requirements and criteria in order to claim health insurance benefits for domiciliary hospitalization:

  • A trained medical expert or doctor must advise the patient to get admitted to the hospital due to disease, ailment, or an accident.
  • The patient cannot be moved to a hospital due to the magnitude of the injuries.
  • The therapy should last for at least three days.
  • The patient has no choice but to begin their therapy at home due to a scarcity of available beds in hospitals.
  • The patient must be covered by a valid and ongoing health insurance cover.

Domiciliary Hospitalization In Medical Insurance Policy & It’s Covered Costs

All hospital expenditures, including drug prices, doctor consultation fees, and hospital equipment rentals such as oxygen cylinders, will indeed be reimbursed in domiciliary hospitalization.

Limits to Domiciliary Hospitalization Costs

If the medical insurance policy has a sub-limit, the total cost is not covered even though it is acceptable. The reason being, a small percentage of your cover is allocated for domiciliary hospitalization. Some insurance providers offer domiciliary care up to a specified fraction of the covered amount, while others only cover it as an addition.

Let us help you understand the concept without using jargons. Let’s say, you have a health care policy with a ₹10 Lakh cover and it covers domiciliary hospitalization up to 10% of the total cover. In this case, you will be eligible to claim up to ₹1 Lakh out of the total cover.

Reimbursement for Domiciliary Hospitalization In Healthcare Policy

Because the reimbursement procedure is based on paperwork, one must save all essential documents in order to have a smooth claim experience.

The insured must provide documentation that hospitalization was necessary. A doctor could have even prescribed hospitalization. All inquiry findings, including scans and other testing, would be needed. All receipts for expenses would have to be submitted for reimbursement.

In conclusion, health insurance policy in India progressively expanded their coverage and demand, particularly after the second wave of COVID, when individuals realized the need of looking for policies that provide domiciliary hospitalization. As a result, it is recommended that before purchasing a healthcare plan, one must thoroughly research the various benefits and optional riders available.

Kotak e-Term

Download Brochure


  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

Similar Articles

Seven Preventive Measures for Heart Related Illness

Why You Must Review Your Health Insurance Policy/ Plan Every Year?

What is BMI Calculator, And Why It is Important?

Health Insurance Add-Ons: Know all About Health Insurance Riders

How to Choose a Right Health Insurance Plan?

Tips to Reduce Your Health Insurance Premium

Health Insurance for Brain Tumour: What You Should Know on Symptoms & Diagnosis of Brain Tumour

Here's how to transfer your health insurance online to different company

Here's Common Myths about Health Insurance

List of Critical Illnesses Covered in Health and Life Insurance Plans

What to Expect from a Health Plan Audit

Which health insurance is good for family?

Health Insurance for Liver: What You Should Know About the Symptoms and Diagnosis of Liver Problems

Health Insurance Plan for Heart – What you Should Know on Symptoms and Diagnosis of Heart-Related Disease?

Here's How Stress Can Increase Your Risk for Heart Disease

Critical Illness Insurance: What Is It? Who Needs It?

A Millennial's Guide to Health Insurance

Buying health insurance? Here's why it is important to disclose your pre-existing medical conditions

What are the Documents Required for Buying a Health Insurance Plan?

Why Should You Opt for Cancer Insurance?

Top Five Institutes for Free Cancer Treatments in India

Health Insurance Plans for a Pre Existing Condition

How to File Health Insurance Claims?

How Your Eating Habits Affect Your Health & How to Change Them

What is the Persistency Ratio and Why Does it Matter to the Health Insurance Sector?

How do I Choose a good Health Insurance Plan?

Everything You Need to Know About Health Insurance for Parents

Why do Patients with Hypertension Need Health Insurance?

Insuring yourself against Ill Health with a Critical Illness Rider

How to Claim Tax Benefits on Medical Insurance Premium?

What is Health Insurance? - Meaning and Types

Key Factors that Decide Your Eligibility for Buying Health Insurance Plans

Health Insurance for Personal Accidents

Everything You Need to Know About the Ayushman Bharat Health Insurance Scheme

Key Difference between Health Insurance and Mediclaim Policy

How Important Is Health Insurance for Your Family?

Health Insurance Wellness Programs and Benefits

Why Spending Time with Friends is Essential for Your Mental Health?

What Medical Expenses Can You Claim in Health Insurance Plans?

What is the Difference Between a Mediclaim Policy, Health Insurance and Term Insurance?

Investing In The Healthcare Sector

Health Insurance Plan for Cancer: What You Should Know on Symptoms and Diagnosis of Cancer

Basics of Health Insurance

Single Premium Term Insurance - Understand the Benefits

Health Insurance vs Medical Insurance – How To Choose Between The Two

What is OPD Cover in Health Insurance?

6 Reasons why you need to get a health insurance

Why You Must Review Your Health Insurance Plan Every Year

Critical Illness Can Disrupt Family's Financial Goals and How Health Insurance Can be Useful

How to Transfer Your Health Insurance Cover Without Losing Benefits?

All You Need To Know About No-Claim Bonus In Health Insurance

कोविड -19 बूस्टर खुराक के दुष्प्रभाव

5 Reasons to Buy Health Insurance in 2021

Health Insurance Plans for Family

Why You Must Disclose Your Pre-Existing Conditions When You Buy Health Insurance

10 Ways to Get Your Kids Involved in Your Healthy Lifestyle

What is Difference between Day Care Treatment and OPD Treatment?

How To Appeal A Health Insurance Claim Denial

What is International Health Insurance? Meaning, Importance and Benefits

5 Reasons to Own Both Health Insurance and Term Insurance

What are Health Insurance Premiums? How are they Calculated?

The Importance of a Health Insurance Claim Ratio

Factors to Consider While Choosing a Health Insurance Plan for Your Parents

Accidental Death Benefit Rider In Term Life Insurance

What Should You Opt for? Short Term or long Term Health Insurance ?

Different Ways to Mentally Refresh After a Stressful Day

Things to keep in mind before buying a health insurance plan for diabetics

5 things to consider while renewing a health insurance policy

HIV+ Patients: Are They Covered by Health Insurance?

Is Health Insurance Non-taxable?

Health Insurance for Students Who Study Abroad

Choosing Health Insurance for Senior Citizens

Does Cataract Surgery Come Under Health Insurance And The Cost Of Surgery In India?

10 Preventative Measures for Diabetes

10 Effects of Fast Food on Your Body

Tax Benefits on Health Insurance Plans

3 Reasons Why Your Health Insurance Cover Could be Insufficient

How Is Your Health Insurance Premium Affected By Age?

What Is the Restoration Benefit in Health Insurance?

Looking for Best Heart and Cancer Insurance Plans

Tax Benefits of Health Insurance Plans

Buying Health Insurance with A Pre-Existing Illness? Things You Should Know

How Much Should I be Paying for Health Insurance?

Here's are Top Reasons to Buy Health Insurance Plan in Your 20s

Here's Why Cardiac Care Plan a Boon for Heart Patients

Benefits of Health Insurance You May Not Know About

Guide on Fraudulent Health Insurance Claims in India

Insuring Against Disability With Disability Insurance Rider

Open Heart Vs Bypass Surgery

What do Health Insurance Plans Cover?

Disability Insurance Policy & Coverage

What Is the Restoration Benefit in Health Insurance Plan?

Side Effects of Covid-19 Booster Doses

How much Health Insurance do you Require?

What Does Health Insurance Not Cover?

Healthy Habits to Avoid Falling Sick During Monsoon

What is Telemedicine? All You Need To Know

How is Health Insurance Cost Calculated?

Insuring Against Accidents with an Accidental Death Insurance Rider

Important Things You Must Know About Accidental Insurance

How Much Of Health Insurance Is Tax Deductible?

What is the Right Age to Buy Health Insurance Policy?

How To Choose A Good Health Insurance Plan?

Which One is Better: Mediclaim or Health Insurance?

Section 80D: Everything You Need to About Income Tax Deduction for Medical Expenditure

Why medical test is important while buying a health cover?