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/Home Health Care
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Step 3Plan Comparison
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
Every plan, ranked11 · 2 strong · 4 standard · 2 limited · 3 not covered
Aditya BirlaStrongActiv One · VYTLCovered up to full Sum Insured
Strong
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.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Expense limitCovered up to full Sum Insured
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Claim Settlement TypeCashless Only
Pre-Authorization RequiredYes
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 ERGOStrongOptima Secure · Optima-SelectCovered up to full Sum Insured
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.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Expense limitCovered up to full Sum Insured
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Claim Settlement TypeCashless Only
Pre-Authorization RequiredYes
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 BupaStandardReAssure 3.0 · ClassicCovered up to full Sum Insured
Standard
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
How it's coveredIncluded in the base plan
Expense limitCovered up to full Sum Insured
Specific Treatments Explicitly Covered at HomePeritoneal Dialysis, Chemotherapy
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Pre/Post Benefit CoveredYes
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.
Star HealthStandardSuper StarCovered up to full Sum Insured
Standard
Treatment at home is paid up to your Sum Insured in a policy year, but only for twelve named conditions: IV chemotherapy, palliative cancer care, diabetic foot and cellulitis, post-discharge care after major surgery or a stroke, and eight more. It runs cashless through the insurer's network providers, and the claim comes out of your Sum Insured.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Expense limitCovered up to full Sum Insured
Specific Treatments Explicitly Covered at HomeChemotherapy, IV Antibiotics
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Claim Settlement TypeCashless Only
Watch out
A doctor has to advise home treatment, a medical practitioner has to monitor the patient every day, and a signed daily monitoring chart has to be kept. If the condition is not one of the twelve, this benefit does not apply.
Star HealthStandardStar Health Assure10% of Sum Insured, up to ₹5 Lakh
Standard
Treatment at home is built into the plan and paid up to 10% of the Sum Insured, with a ceiling of Rs.5 lakh a policy year. It is available cashless through Star's network providers, but only for thirteen named conditions such as IV chemotherapy, diabetic foot and cellulitis, and post-discharge care after major surgery or a stroke.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Expense limit10% of Sum Insured, up to ₹5 Lakh
Specific Treatments Explicitly Covered at HomeChemotherapy, IV Antibiotics
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Claim Settlement TypeCashless and Reimbursement
Watch out
Only the thirteen listed conditions qualify. A serious illness treated at home that is not on that list gets nothing under this benefit, however necessary the care was.
Star HealthStandardStar Comprehensive10% of Sum Insured, up to ₹5 Lakh
Standard
Treatment at home is paid up to 10% of your Sum Insured, and no more than ₹5,00,000 in a policy year. It applies only to twelve named conditions - among them IV chemotherapy, palliative cancer care, diabetic foot and IV antibiotics after major surgery.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Expense limit10% of Sum Insured, up to ₹5 Lakh
Specific Treatments Explicitly Covered at HomeChemotherapy, IV Antibiotics
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Claim Settlement TypeCashless Only
The catch
Home care for anything outside the twelve named conditions is paid nothing, even when a doctor advises it. Equipment used at home - CPAP, BiPAP, wheelchairs, walkers and infusion pumps - is excluded separately, so you pay for those from your own pocket.
Star HealthLimitedFamily Health Optima10% of Sum Insured
Limited
Treatment at home is paid up to 10% of your Sum Insured in a policy year, but only for twelve named conditions - among them IV chemotherapy, palliative cancer care, diabetic foot and cellulitis, and post-stroke care after discharge. The service is taken cashless from Star's network home-care providers
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Expense limit10% of Sum Insured
Specific Treatments Explicitly Covered at HomeChemotherapy, IV Antibiotics
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Claim Settlement TypeCashless Only
Watch out
A doctor must advise treatment at home, and a daily monitoring chart signed by the treating doctor has to be kept for every day of care. Without those records a genuine bill can be turned down.
ICICI LombardLimitedElevateOptional - Up to ₹20,000 per claim
Limited
Home care here means one thing: a qualified nurse at your home after a hospital stay, bought as Optional Cover 14. It pays ₹2,000 a day for up to 10 days, so ₹20,000 at most per hospitalisation, and only when the in-patient claim is accepted. Home care that does not follow an admission is not covered at all.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Expense limitUp to ₹20,000 per claim
Home Medical Devices Excluded (CPAP, BiPAP, Wheelchairs)Yes
Pre/Post Benefit CoveredNo
Watch out
The nurse must be employed by a hospital and advised in writing by a doctor. The pre-hospitalisation benefit expressly excludes nursing care at home, so these 10 days are the only home nursing the policy pays for.
HDFC ERGONot coveredOptima RestoreNot in this plan, and not sold as an add-on
Not covered
This product has no home health care benefit. Nursing, IV drips or physiotherapy given at your home are not paid as a benefit of their own. The only home-based cover is Domiciliary Treatment, which needs a condition that would otherwise require a hospital stay.
Coverage detailstap any row to understand it
How it's coveredNot covered
Care HealthNot coveredCare AdvantageNot in this plan, and not sold as an add-on
Not covered
This policy does not cover home health care. Neither the eight base benefits nor the thirteen optional covers pay for nursing, IV drips or physiotherapy given at your home.
Coverage detailstap any row to understand it
How it's coveredNot covered
Care HealthNot coveredCare SupremeNot in this plan, and not sold as an add-on
Not covered
This product does not offer home health care. There is no benefit paying for nursing, IV drips or physiotherapy delivered at home as a substitute for a hospital stay. The nearest cover is Domiciliary Hospitalisation, which pays for hospital-level treatment at home only when you cannot be moved to a hospital or no room is available.
Coverage detailstap any row to understand it
How it's coveredNot covered
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Or read one we prepared for Home Health CareSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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