What is home healthcare coverage?

Some health insurance plans offers a feature known as home healthcare coverage that lets you get medical treatment right at your home, instead of going to the hospital. This is very helpful in cases where you need medical care but do not need to stay in the hospital full-time.

You can think of it as ‘hospital care’ coming straight to your doorstep.

What does it typically include?

The exact features of home healthcare cover will depend on the insurance company and the plan you choose, but most home healthcare coverage usually includes:

• Doctor visits at home in case you are not able to travel.


• Nursing care at home, like wound dressing, injections, or regular health check-ups.


• Physiotherapy sessions at home.


• Support with medical equipment, such as oxygen cylinders or mobility aids, delivered to your home.


• Basic diagnostic tests, like blood tests or ECGs, can be also done at your home.


• Post-hospitalisation care to help you recover safely after you leave the hospital.

Why is it becoming popular?

Many families now prefer home-based care because it gives you:

• Comfortand convenience


• Lower costs when compared to staying in the hospital for a long time.


• Personalized attention


• Reduced exposure to infections


• Better recovery environment

This benefit is especially useful for elderly people, those with long-term illnesses, or anyone recovering after surgery.

Points to keep in mind

Before you depend on home healthcare coverage, make sure to check:

• If you are eligible for home treatment under your policy.


• What conditions are covered, since most insurers will only approve home care if your doctor recommends it.


• If there are any daily limits or caps, like per-day charges for nursing visits.


• Whether you need pre-authorisation before starting home care.


• What are all the documents do you need to submit when making a claim.