Is Palliative and Hospice Care Covered Under Health Insurance in India?
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Palliative and hospice care focus on comfort and quality of life for people with serious or terminal illnesses. But a common question many families have is whether these services are actually covered under health insurance in India.
Read on to learn more about palliative care, its overall expense, and who requires this type of care so that you can make informed healthcare and financial decisions.
Does Health Insurance Provide Coverage for Palliative Care?
Yes, health insurance in India may provide for reimbursement towards the cost of palliative care. However, this depends on the terms and conditions of the health insurance policy.
Majority of the health insurance plans available in India provide reimbursement for inpatient services, while outpatient or home-based palliative care services may be partially covered.
What is the Cost of Palliative Care in India?
In India, the average cost of palliative care is around ₹45,000. However, this is just an approximate cost, as it can vary depending on factors. These include the hospital, its location, the type of care needed, and the individual's health.
Who Requires Palliative Care?
Palliative care services can be provided to individuals of any age who have a serious or life-threatening illness, which include:
- Cancer
- Heart disease
- Blood disorders and bone marrow necessitating stem cell transplant
- Dementia
- End-stage liver disease
- Parkinson's disease
- Cystic fibrosis
- Kidney failure
- Lung disease
- Stroke
Palliative care serves an essential purpose by helping people cope with their health problems and addressing their physical, mental, and social needs. Typically, palliative care is covered by health insurance, particularly in certain private plans and government schemes.
However, it is essential to check the specifics of the insurance policy to know its inclusions and exclusions.
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