Why should you include home care in your health insurance plan?

One of the ways to achieve the highest quality of life is with home care services. It enables increased independence, security and safety, helps ease the management of an ongoing medical condition and boosts recovery after a hospital stay, injury or illness. 

Moreover, with prices of medical treatments and medicines following an upward graph, it is difficult for most individuals and their families to cope with the treatment costs. Such families face nothing short of a financial crisis, especially in emergencies like heart attacks, strokes, etc., where the treatment is crucial, but its costs are extremely high. Therefore, choosing a good health insurance plan along with an adequate amount of coverage and home care assistance is important for you and your family to prepare and cope with such situations without delay or ado.

 

 

Reasons to Include Home Care in Your Health Insurance Plan  -

 

 

1. Patient comfort and recovery  -

 

After hospitalisation, most patients prefer to heal at home. They recover faster and better when they are resting in the comfort of their homes, as the hospital environment can make them edgy and stressed, prolonging their recovery time.

 

Just being surrounded by familiar memories and spaces—including dinners at the table, the comfort of the bed, and the familiarity of the home—is good for the mind and feels soothing. Also, home care services help quicker healing owing to less exposure to viruses, etc.

 

 

2. Expensive treatments and medication  -

 

 

Typically, in-hospital care is much more expensive than home care services, especially in the case of long-term treatments. One of the health insurance benefits is specialised treatment at home. Being in the comfort of home and individual care promotes faster healing and provides patients with a positive outlook. 

 

Furthermore, including home care in your health insurance comes at a marginally higher premium, which is affordable for any common man.
 

 

3. Customized and personalised treatment  -

 

 

In a hospital, there are rules and regulations in place, and staff usually have a certain method of providing care to patients. Keeping in mind that every patient is different with different needs, the room for adapting is narrow. 

 

On the other hand, home care assistance enables treatments and plans to be customised and personalised according to the needs of patients.

 

4. Comfortable environment  -

 

 

Patients recovering from procedures or surgeries, small or big, need a calm and comfortable environment around them, with minimal disturbance. Sometimes, factors like a familiar environment, home-cooked food, staying close to near and dear ones, and just being associated with the normalcy of life before the surgery could accelerate the recovery process. 

Nowadays, it has become convenient to even conduct some procedures and tests like blood tests, sugar checks, etc., at home. 

 

 

What is Covered Under Home Health Services?

 

The pre-and post-hospitalisation care is as crucial as the treatment itself. The tests, procedures, medication, etc., involved could be costly as well. Health insurance companies like Niva Bupa offer impressive coverage for such treatment and care. This includes:

 

1. Domiciliary treatments  -

These treatments ideally need hospitalisation but are done at home. The treatment given to such patients runs for over three days and requires intensive care. Such treatments take place when the patient's health condition does not allow them to go to the hospital or there are no vacant rooms in the hospital to accommodate the patient.

 

 2. Outpatient Department Treatments  -

 

After surgery, the patient may need nursing care, tests, physiotherapy, etc. All such diagnostics and treatments fall under the Niva Bupa Health Insurance coverage.
 

 

3. Daycare treatments  -

 

These treatments do not need you to get admitted to the hospital. You visit the hospital for the procedure and leave on the same day. Such procedures include chemotherapy, radiotherapy, etc. The Niva Bupa health services cover all such procedures as well.
 

 

4. Pre-hospitalisation and Post-hospitalisation  -

 

Any pre-and post-hospitalisation expenses related to your illness are covered under  Niva Bupa Health Insurance Plans. These include procedures, treatments, tests, medication, etc. 

In short, the Niva Bupa Health Insurance Plans cover any treatment-related medical expenses that fall within the time range of 30 days prior to hospitalisation and 60 days post it. Blood tests, MRI scans, X-rays, etc., fall under the health insurance coverage if they are done within the permissible time period.

 

 

Get the Care You Need

 

Protect your family and yourself from the financial stress of expensive medical treatments. The illness could be life-threatening or could even require urgent treatment, but the unavailability of adequate finances should not hinder the treatment. Niva Bupa Health Insurance Plans offer impressive coverage for home health services at a nominal increase in your pay premium. 

Get the right treatment and medication without having to make any compromises or endangering your and your family’s lives.