Definition
Domiciliary Hospitalisation
Domiciliary hospitalisation cover pays for treatment taken at home that would otherwise have required hospitalisation, when admission is not possible.
Health policies may cover treatment at home (domiciliary) when the patient's condition prevents moving to a hospital, or when no hospital bed is available, provided the treatment would normally have needed inpatient care and lasts beyond a minimum number of days.
This benefit, subject to specified conditions and sometimes sub-limits, recognises that genuine hospital-equivalent care is sometimes delivered at home. It is distinct from routine OPD treatment and from daycare procedures, addressing a narrow but real gap in coverage.
Related terms
- OPD CoverOPD cover reimburses outpatient medical expenses such as doctor consultations, diagnostics and pharmacy bills that do not require hospitalisation.
- Daycare ProceduresDaycare procedures are medical treatments that, thanks to technology, are completed in under 24 hours and are covered by health policies despite not meeting the standard hospitalisation requirement.
- Sum Insured (Health)Sum insured is the maximum amount a health (or general) insurer will pay for claims in a policy year, acting as the ceiling on indemnity.
Plain-English explainer from The Dispatch Investors Encyclopedia. General information, not financial advice.