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/Home Health Care
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What is Home Health Care in health insurance?
Pays for professional medical care at your home - like nursing, IV drips, or physiotherapy - when you are too unwell to travel to a hospital or no beds are available. Especially useful for elderly patients who recover better at home.
Also called: home care treatment · nursing at home · doctor-prescribed treatment at home
Aditya Birla
Activ One – MAX
Standard
Treatment at home that would otherwise need a hospital bed is paid at actual cost up to the Sum Insured. It runs on cashless only: the insurer has to approve it in advance, and it is delivered through their network in select cities for select procedures.
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The catch
This benefit is not available on reimbursement. If your city or your procedure is not on the insurer's home-care list, a genuine home treatment bill is paid entirely by you.
HDFC ERGO
Optima Secure – Optima-Secure
Strong
Treatment at home that would otherwise have needed a hospital bed is covered up to your full sum insured. Your doctor must prescribe it in writing, and the insurer must approve it before treatment starts. It is paid cashless only - you cannot pay first and claim later.
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Watch out
Because there is no reimbursement route. Keep daily treatment records signed by the treating doctor, as the policy asks for them for each day of home treatment. Home medical equipment is excluded elsewhere in the policy - wheelchairs, crutches, oxygen concentrators for asthma or COPD, and external durable equipment of any kind.
Niva Bupa
ReAssure 3.0 – Elite
Strong
Treatment at home that would normally need a hospital bed is paid up to your full Sum Insured on every plan, with no separate cap. Peritoneal dialysis and chemotherapy at home are named as covered, and the pre and post-hospitalisation benefit applies to home care too. Medical and mobility devices used at home are not paid.
Coverage detailstap any row to understand it
Watch out
Three conditions must all hold: a doctor must advise home treatment, a doctor must monitor the patient every single day, and a daily monitoring chart signed by the treating doctor must be kept. If the daily record is missing, a genuine claim can be turned down.
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