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Domiciliary Treatment in Health Insurance

Get coverage for Domiciliary Treatment (medical treatment at home) under a health plan starting @Rs. 20/per day*.

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It is very beneficial if your health insurance covers health care costs even when you are receiving treatment at home. The term ‘treatment’ here alludes to a hospital-like facility being designed at the patient’s residence for the most favourable medical care. 

Not all health insurance covers domiciliary treatment in the policy. That is why it is vital to ensure that your health insurance policy covers domiciliary hospitalisation. Go through this blog to learn crucial details concerning domiciliary treatment in health insurance. 

How Does an Insured Person Go About Domiciliary Treatment or Hospitalisation? 
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Although domiciliary hospitalisation occurs rarely, it still is extremely helpful for people who need it. If your insurance covers domiciliary treatment here is how things usually work out: 

Importance of Domiciliary Treatment in Health Insurance 
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Whether you avail medical care from hospital or from home it is expensive and getting more so by the day. Moreover, if you have to bring a hospital-like setup at home it gets even more expensive. Having a health insurance policy that covers domiciliary hospitalisation is essential nowadays. 

If a qualified doctor approves of domiciliary treatment for or recommends it for the patient, and the health policy offers coverage for it then you get compensation for the health care cost arising out of the home treatment. This compensation can be vital for completing the treatment and getting out of the emergency situation successfully.

List of Diseases Covered in Domiciliary Hospitalisation
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Your policy document will carry the terms of coverage and exact inclusions. The coverage varies from policy to policy, so you should check the inclusions before purchasing a policy. 

Here is a list of diseases that policies generally cover in domiciliary hospitalisation : 

List of Diseases Not Covered in Domiciliary Hospitalisation
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You will find the exact exclusions by reading your policy documents. As they vary from product to product this list can only give a general idea. Consider checking the exclusions carefully before buying any health insurance policy. 

Here is a list of diseases that policies generally do not cover in domiciliary hospitalisation: 

Benefits of Domiciliary Hospitalisation in Health Insurance
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If your health policy does not include domiciliary hospitalisation consider opting for a plan that does cover it as it comes with the following benefits: 

Key Factors to Consider While Deciding for Domiciliary Hospitalisation in Health Insurance 
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Your basic health insurance policy may or may not include domiciliary hospitalisation. In some cases, insurers offer it as an add-on. That is why it is important to consider the following factors before buying a policy: 

Advantages of Purchasing ACKO Health Insurance
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ACKO provides a wide variety of health insurance policies to suit individual needs and circumstances. Take a look at the coverage of some of our best health insurance plans and decide for yourself:

ACKO Standard Health Plan
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  • Covers domiciliary treatment for a set number of days 
  • 10 lakhs, 25 lakhs, 50 lakhs, and 1 crore of sum insured 
  • 60 and 120 days of pre and post-hospitalisation expenses 
  • Cashless hospitalisation at 14,300+ pan India network hospitals 

ACKO Platinum Health Plan
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  • Covers domiciliary hospitalisation
  • Sum insured (1 crore, unlimited plans)
  • Cashless hospitalisation at 14300+ pan India network hospitals 

ACKO Platinum Super Top-up Health Plan
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  • Covers domiciliary treatment 
  • Rs. 10 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, Rs. 1 crore, and unlimited sum insured 
  • Critical illness coverage
  • Domestic emergency evacuation coverage 
Enhance your health insurance by exploring these unique benefits

OPD Cover

Cashless Health Insurnce

Room Rent LimitUnlimited Sum Insured  

Zero Waiting Period

The Bottom Line
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A domiciliary treatment in health insurance can save you a lot of hassle and money in case the patient cannot access a hospital and has to stay at home and get hospital-like treatment. To get the best care possible and safeguard yourself financially you can opt for ACKO health plans now. Navigate our website and select a plan that suits you most.

Frequently Asked Questions
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Here are some of the frequently asked questions about domiciliary treatment in health insurance.


What are the documents required in domiciliary hospitalisation? 

You will need a discharge summary, test reports and cash receipts, cash receipts from the hospital, identity proofs and any other documents your insurer asks for to settle a claim in domiciliary hospitalisation. 

Do all policies have domiciliary hospitalisation coverage? 

No, for every health insurance policy to have domiciliary treatment coverage is unnecessary. This cover is an in-built feature in some policies and some offer it as add-ons. 

Does domiciliary hospitalisation offer a cashless hospitalisation facility? 

No, a cashless hospitalisation is only available if the patient avails treatment from a network hospital. 

Can one avail domiciliary hospitalisation just for a day?

In most cases, the minimum requirement concerning such a cover is 72 hours. However, the time frame can vary from policy to policy. 

Can I avail of AYUSH treatments under domiciliary hospitalisation? 

Usually, health policies do not cover AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homoeopathy) treatments under domiciliary hospitalisation. You should confirm it before purchasing a policy. 

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.