Home Healthcare and Insurance – What has Changed in the Last Few Years?

changes in home healthcare and insurance

When we think of home care services, many of us have a mental image of a doctor or nurse providing care to an aging relative at their home. However, healthcare at home has seen a great transformation in the last decade. The number of companies providing professional home care services has increased, with many of them committed to providing well-managed, process-driven, and client-centered care. A patient-centered approach is emphasized, as are clinically driven protocols, competent and trained professionals, and a patient-centered strategy.

At Medulance, home health care services  are designed as per the specific needs of the individual. This may include, physical therapy, nursing, nutritional care, doctor assistance etc. and much more

With the health insurance companies coming on board, having home care services is much easier. A number of insurance companies are now paying for healthcare at home . Patients have found Covid home quarantine programmes to be a cost-effective alternative to hospitalization, with claims falling from an average of 1.1 million rupees to around Rs. 15,000/-.

Home healthcare services are generally covered into the following three categories:

Domiciliary Treatment  

When a medical procedure that would normally be performed in a hospital is performed in the patient’s house, this is referred to as domiciliary treatment. This typically occurs when a patient is deemed unfit for hospitalization or advised for home treatment due to complications or when a hospital is unable to admit a patient due to a shortage of beds. In these instances, domiciliary treatment becomes a viable option.

Domiciliary Treatment

Pre & Post Hospitalization 

Medical expenses made prior to and after hospitalization are usually covered by most insurance carriers. Pre- and post-hospitalization coverage periods may differ from one insurance provider to the other. But coverage of such expenses is an encouragement for those who wish to choose home treatment. However, it must be noted that these pre and post expenses must be related to those illnesses as covered under the policy.

Day Care and OPD Treatment  

Not all medical procedures require hospitalization. Insurance companies cover hemodialysis, chemotherapy, and other day-care procedures. Certain insurance companies give maintenance benefits such as nursing care, physiotherapy, medical consultations, and diagnostics at home under the OPD treatment category.

doctor holding hand to assure the patient

Having a home car set-up is easy and can save you a lot of time, money and effort while providing equally beneficial medical services. At Medulance , we are always ready to serve you with the best medical assistance and medical guidance. To know more about our home health care services and At Home ICU, contact our customer care support . Remember, we are always there for you.