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/Domiciliary Hospitalisation
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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Big hospital bills
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Step 3Plan Comparison
What is Domiciliary Hospitalisation in health insurance?
Covers treatment at home for conditions that would normally need a hospital stay - for example, when the patient cannot be moved or the hospital is full. Note that many plans exclude common conditions like diabetes or asthma from this benefit.
Also called: domiciliary treatment · home hospitalisation · hospital-level treatment at home
Every plan, ranked11 · 4 strong · 6 standard · 1 not covered
HDFC ERGOStrongOptima Secure · Optima-SelectCovered up to full Sum Insured
Strong
Treatment taken at home for a condition that would normally need a hospital stay is covered up to full sum insured. It applies in two situations: the patient cannot be moved to a hospital, or no hospital room is available.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Minimum Continuous Treatment Days Required0 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
Your treating doctor must prescribe the home treatment in writing. Many Indian policies exclude common conditions such as asthma, diabetes, hypertension and gastroenteritis from domiciliary cover - this one names no such exclusions.
Niva BupaStrongReAssure 3.0 · ClassicCovered up to full Sum Insured
Strong
Treatment at home for a condition that would normally need a hospital bed is paid up to your full Sum Insured on every plan. It applies either when the patient cannot be moved to a hospital or when no hospital room is available. No disease is carved out, and no minimum number of treatment days is imposed.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Minimum Continuous Treatment Days Required0 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
This runs through the same benefit head as home care, so the same three conditions apply: a doctor's advice to treat at home, daily monitoring by a doctor, and a daily chart signed by the treating doctor. Medical and mobility devices used at home are not paid.
Aditya BirlaStrongActiv One · VYTLCovered up to full Sum Insured
Strong
Hospital-level treatment at home is paid at actual cost up to the Sum Insured when you cannot be moved to a hospital, or when no room is available in a hospital in your home city. The treatment has to run for at least three consecutive days and be prescribed in writing.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
The three-day minimum is a real gate: a two-day course of home treatment is paid nothing, however genuine. In return, the policy names no diseases that are shut out of this benefit, which is unusual - many plans exclude asthma, diabetes and hypertension here.
HDFC ERGOStrongOptima RestoreCovered up to full Sum Insured
Strong
Treatment taken at home for a condition that would normally need a hospital is paid up to your Sum Insured, with no rupee cap. It applies when the patient cannot be moved to a hospital, or when no hospital room is available. The 60 day pre and 180 day post windows apply to it as well. Treatment must run longer than three days.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Claim Settlement TypeReimbursement Only
The catch
Treatment of three days or less is not paid at all, and the first three days are only paid once the treatment has run longer than three days. A two-day course of home treatment gets you nothing.
ICICI LombardStandardElevateCovered up to full Sum Insured
Standard
Treatment at home that would normally need a hospital bed is covered up to your full Sum Insured, when a doctor advises it in writing and it continues for at least 3 consecutive days. Eleven conditions are carved out, among them asthma, diabetes, hypertension, epilepsy, arthritis and any liver disease.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Common Diseases Excluded from DomiciliaryAsthma, Bronchitis, Tonsillitis / URTI, Influenza / Cold, Arthritis / Gout / Rheumatism, Chronic Nephritis, Diarrhoea / Gastroenteritis, Diabetes, Epilepsy, Hypertension, Pyrexia of Unknown Origin
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
The 3-day minimum means a shorter spell of home treatment pays nothing. It qualifies only when you cannot be moved to a hospital or no room is available, so choosing home care for convenience does not count.
Star HealthStandardSuper StarCovered up to full Sum Insured
Standard
Hospital-level treatment at home, AYUSH included, is paid up to your Sum Insured when the treatment runs for more than three days and either the patient cannot be moved to a hospital or no room is available.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Common Diseases Excluded from DomiciliaryAsthma, Bronchitis, Chronic Nephritis, Diarrhoea / Gastroenteritis, Diabetes, Epilepsy, Hypertension, Influenza / Cold, Psychiatric Disorders, Pyrexia of Unknown Origin, Tonsillitis / URTI, Arthritis / Gout / Rheumatism
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
Twelve common conditions such as Asthma, bronchitis, diabetes, hypertension, epilepsy, influenza are carved out by name, so the benefit is narrower than it first reads. Those are among the conditions most often treated at home, and you pay for them from your own pocket.
Star HealthStandardStar ComprehensiveCovered up to full Sum Insured
Standard
Hospital-level treatment at home, including AYUSH, is covered up to your Sum Insured when the patient cannot be moved to a hospital or no hospital room is available. The treatment has to run for more than three days. Twelve common conditions are excluded from this benefit.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Common Diseases Excluded from DomiciliaryAsthma, Bronchitis, Chronic Nephritis, Diarrhoea / Gastroenteritis, Diabetes, Epilepsy, Hypertension, Influenza / Cold, Psychiatric Disorders, Pyrexia of Unknown Origin, Tonsillitis / URTI, Arthritis / Gout / Rheumatism
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
Asthma, bronchitis, diabetes, hypertension, epilepsy, arthritis and influenza are all on the excluded list, along with all psychiatric disorders. A fever of unknown cause counts only once it has lasted 10 days.
Star HealthStandardFamily Health OptimaCovered up to full Sum Insured
Standard
Hospital-level treatment at home is covered up to the full Sum Insured when the patient cannot be moved or no hospital room is available. The treatment has to run for more than three days, and twelve common illnesses are not covered under this benefit.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Common Diseases Excluded from DomiciliaryAsthma, Bronchitis, Chronic Nephritis, Diarrhoea / Gastroenteritis, Diabetes, Epilepsy, Hypertension, Influenza / Cold, Psychiatric Disorders, Pyrexia of Unknown Origin, Tonsillitis / URTI, Arthritis / Gout / Rheumatism
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
The excluded list covers much of what actually gets treated at home - asthma, bronchitis, diabetes, hypertension, epilepsy, gastroenteritis, arthritis, psychiatric disorders and fever of unknown origin lasting under 10 days.
Star HealthStandardStar Health AssureCovered up to full Sum Insured
Standard
Treatment at home for something that would normally need a hospital bed is covered up to the Sum Insured, including AYUSH, when the patient cannot be moved or no hospital room is available. Treatment has to run more than three days, and twelve common conditions are carved out.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Common Diseases Excluded from DomiciliaryAsthma, Bronchitis, Chronic Nephritis, Diarrhoea / Gastroenteritis, Diabetes, Epilepsy, Hypertension, Influenza / Cold, Psychiatric Disorders, Pyrexia of Unknown Origin, Tonsillitis / URTI, Arthritis / Gout / Rheumatism
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Watch out
The carve-out list covers many of the illnesses people are treated at home for, including asthma, bronchitis, diabetes, hypertension, epilepsy and psychiatric disorders.
Care HealthStandardCare SupremeCovered up to full Sum Insured
Standard
Treatment taken at home is paid up to the Sum Insured when your condition means you cannot be moved to a hospital, or when no hospital room is available. The treatment must run for more than 3 consecutive days, payment is by reimbursement only.
Coverage detailstap any row to understand it
Expense limitCovered up to full Sum Insured
Common Diseases Excluded from DomiciliaryAsthma, Bronchitis, Chronic Nephritis, Diarrhoea / Gastroenteritis, Diabetes, Epilepsy, Hypertension, Influenza / Cold, Psychiatric Disorders, Pyrexia of Unknown Origin, Tonsillitis / URTI, Arthritis / Gout / Rheumatism
Minimum Continuous Treatment Days Required3 days
Eligible Trigger ConditionsPatient Unable to Travel, No Hospital Room Available
Claim Settlement TypeReimbursement Only
Watch out
Twelve everyday conditions are carved out, including diabetes, hypertension, asthma and psychiatric disorders. These are exactly the illnesses most often treated at home, so a genuine home treatment bill for high blood pressure is not paid under this benefit.
Care HealthNot coveredCare Advantage—
Not covered
This policy defines domiciliary hospitalisation but never pays for it. The term appears once, in the definitions, and no base benefit, optional cover or Schedule of Benefits row grants it.
Watch out
Pays only for admission to a hospital for at least 24 consecutive hours, or a listed day care surgery. So if a doctor says you cannot be moved to a hospital, you pay for that treatment yourself.
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Or read one we prepared for Domiciliary HospitalisationSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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