My mother is 65 years old and I had taken an insurance policy from Park Mediclaim for her. Recently, she fell seriously ill and the doctor recommended her a treatment from home only. A nurse and doctor were visiting her regularly for more than 10 days and were monitoring her health. As she was not hospitalised, can I still make a claim for medical expenses?Yes, you can make a claim on the basis of doctor’s recommendation for home treatment instead of hospitalisation. This kind of treatment is called domiciliary hospitalisation, which means medical treatment given to the patient at home on the recommendation of the attending medical practitioner for a period exceeding three days for such an illness, disease or an injury, which in the normal course would require care and treatment at a hospital. This is normally applicable when the condition is such that the patient cannot be admitted to the hospital due to lack of accommodation in the hospital/nursing home or the condition is such that the patient cannot be removed from home and admitted to a hospital.
