‘Health insurance policies should include domiciliary hospitalisation’
    Date :15-May-2021

Health insurance policies
 
 
 
Thousands of families were asked by hospitals to pay in advance, which defies the entire purpose of having cashless insurance in such times of seeking medical help in urgency
Amid coronavirus breakout, millions of patients are being hospitalised and treated with exorbitant charges. As there are overcrowded hospitals, even more numbers are deprived of beds, oxygen, ventilators among other things. Patients who are not in a position to deposit Rs 1 lakh and more at the time of hospitalisation are the ones deprived of getting beds for themselves and suffering in spite of having cashless insurance.
 
In this regard, labour leader Rajesh Nimbalkar, National Coordinator of All India Unorganised Workers Congress has suggested to the Central Government and Insurance Regulatory and Development Authority (IRDA) that all health insurance plans should include domiciliary hospitalisation as default cover. With this patients would not have to shell out exorbitant amounts during hospitalisation.
 
Domiciliary hospitalisation is not covered by every health insurance plan. Therefore, the All India Unorganised Workers Congress has demanded the IRDA to issue an amendment in all the health insurance policies with appropriate rider or default cover for home hospitalisation.
 
“No one is looking at this exploitation even after clear cut guidelines have been issued and rules framed by the Government regarding prescribed charges of all medical services,” he said.
 
Nimbalkar said, “There are several tragic accounts of people spending their lifetime savings on treatment at corporate and private hospitals. Stuck in feeble situation, anxious and angry, people who spent lakhs of rupees questioned what action will be taken against the hospitals charging exorbitant amounts. Thousands of families were asked by hospitals to pay in advance, which defies the entire purpose of having cashless insurance in such times of seeking medical help in urgency.”
 
Domiciliary hospitalisation is a situation where the insured is considered or treated as hospitalised even when he is at home and yet providing the patient of appropriate medical care and treatment as directed by private physician or OPD of concerned hospital. Any expenses incurred towards the treatment are covered by the insurance provider through its third party administrator (TPA).
 
“We demand consideration of this service in interest of masses and bring it into execution for corona patients too,” he added.