Loading
/Domiciliary Hospitalisation
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
Start Here
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Every feature we checked
All 41 features across 6 coverage topics - pick one to see how the plans differ, what's critical at claim time, and what's already covered in your shortlist.
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
HDFC ERGO
Optima Secure – Optima-Secure
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
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 Bupa
ReAssure 3.0 – Elite
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
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 Birla
Activ One – MAX
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
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.
Step 4Shortlist & Decision Tray
Your decision so far
Review your shortlisted plans, track how many coverage concerns they fulfill, and pick any two to compare side-by-side.
Nothing shortlisted yet
Every plan for your chosen feature is listed in the comparison above. Tap Bookmark on the plans that read well to pin them here.
Bookmark at least 2 plans to unlock side-by-side comparison
Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
Every feature, A to Z
Each one has its own page - what it means, and how every plan handles it.