Health Insurance Under Covered for Home Care Services

Health care services at home are not a new concept. It has been there for years and is gaining popularity day by day. The main reason for this is the changing lifestyle. In the early days, people used to stay at home and take care of their health by themselves. But now, with the hectic lifestyle, people are turning to health care services at home. 

In this guide by Cover360, you will understand why home health insurance is important, the benefits of health care insurance services at home, and the best home care insurance policies in India.

What are Health Care Insurance Services at Home?

This type of health insurance offers benefits for inpatient treatment, daycare procedures, and home nursing benefits. It also covers diagnostic tests, pre and post-hospitalisation expenses, and ambulance charges.

There are different types of health care insurance policies available in India, and each has its own set of benefits. You can choose a policy that best suits your needs.

Benefits of Health Care Insurance Services at Home

Below are the key benefits that come with home health care insurance:

  • Convenience: The main advantage of using health care insurance services at home is convenience. You can get the services at your home, and you don’t need to go out and spend time travelling.
  • Family Support: In a traditional healthcare setting, you are surrounded by many other patients and their families. With home health care services, you have family support as well as medical support.
  • Cost-Effective: Home health care is often more cost-effective than traditional healthcare since you don’t need to pay for travel or accommodation costs.
  • Access to Specialist Care: If you require specialised medical care, home health services can help connect you with the right specialists in your area.
  • Personalised Care: Home health services are highly personalised, so you get the attention and support that you need.
  • Greater Independence: Home health care services can help you regain your independence and live a more active lifestyle.
  • Increased Privacy: Home health care services offer a higher degree of privacy. Suppose you have a medical issue that you don’t want to share with other patients or family members. Home health services can help you keep your medical issues private.
Health Care Insurance Services at Home Coverage

Insurance companies cover a variety of home health care treatments recommended by doctors, including post-hospitalisation costs. 

Let’s have a look at some of the most common therapies covered by home healthcare:

  • Dengue
  • Gastroenteritis
  • Respiratory tract infection
  • Fever management
  • Chemotherapy
  • Chronic Obstructive Pulmonary Disease (COPD) management
  • Bronchopneumonia
  • Pancreatitis
  • Hepatitis
Best Insurers Providing Health Care Insurance Services at Home In India 2022

Some of the popular health care insurance policies in India are:

  • Star Health Insurance Policy
  • Religare Health Insurance Policy
  • Max Bupa Health Insurance Policy
  • Apollo Munich Health Insurance Policy
  • Cigna TTK Health Insurance Policy
  • Bajaj Allianz Health Insurance Policy
  • HDFC Ergo Health Insurance Policy
  • Tata AIG Health Insurance Policy
  • ICICI Lombard Health Insurance Policy
  • Kotak Mahindra Health Insurance Policy
Factors to Consider Before Availing Health Care Insurance Services at Home

Some essential things to keep in mind before you finalise a health care insurance policy are:

  • The Sum Assured: This is the accumulated amount that the insurer will pay in case of any eventuality. It is important to choose an appropriate amount that is high enough to cover your expenses in the event of injury or severe illness.
  • Trained Professional Assistance: Make sure that the company you choose provides trained professional assistance. The last thing you want is to be stranded with a medical emergency and no one to help you out.
  • In-House Facilities: Choose a health care insurance policy that provides in-house facilities like ambulance services, blood banks, etc. This will come in handy in case of an emergency.
  • Affordable Premiums: Last but not least, ensure that the premiums charged by the company you choose are within your budget. Choose an insurance provider that offers competitive rates and good services.

Always read all the terms and conditions of your policy document before taking any insurance policy. Health insurance is an important part of our life and should not be neglected. At Cover360, you will get the best insurance policy, and that too at affordable rates. So, what are you waiting for? Get insured today!

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