Following his discharge from hospital, my father now requires ongoing medical care and support at home, including nursing services and oxygen therapy. As we explore options to ensure his comfort and well-being, I would like to know about the possibility of claiming financial assistance from our insurance provider to cover the expenses associated with these necessary home arrangements. Are there any limitations or exclusions in our insurance policy that may impact coverage for home healthcare services or medical equipment? Please clarify.


It is indeed possible to claim financial assistance from your insurance provider to cover the expenses associated with home healthcare services and medical equipment, provided certain conditions are met.

Firstly, it is essential to ensure that home healthcare services are part of your insurance cover. Most health insurance policies cover home healthcare services, but it is always advisable to review your policy documents or contact your insurer to confirm the coverage.

Secondly, your doctor should recommend home healthcare services as a line of treatment. This line of treatment is typically followed for chronic illnesses that require long-term care and support. Therefore, it is crucial to obtain a recommendation from your doctor to ensure that the treatment is medically necessary and covered under your insurance policy.

Assuming that your policy covers home healthcare services, the following expenses are typically covered:

The entire cost of home arrangements, including nursing charges, doctor visits, and medicine costs. Medical equipment, such as oxygen therapy equipment, is also covered, provided it is medically necessary and prescribed by a doctor.

However, there may be certain exclusions and limitations in your insurance policy that may impact coverage for home healthcare services or medical equipment. Therefore, it is advisable to read the terms and conditions of your health insurance policy carefully. Before availing yourself of home healthcare services, it is always better to contact your health insurer and get further details, such as what treatments are covered under this line of treatment, what are the limitations on coverage, and what is the process for filing a claim. This will help ensure that you are aware of the coverage and can avoid any unexpected expenses.

Also, do note that home healthcare services are typically covered for long-term chronic illnesses and not for minor illnesses such as cold and cough.

Finally, regarding claims, both cashless and reimbursement claims exist, depending on the product, policy, and insurer. Today, the health insurance industry is moving towards adopting cashless claims everywhere to improve customer experience and ensure financial well-being of policyholders. Cashless claims allow you to receive treatment without paying upfront. Policyholders are advised to make use of the cashless claims facility to ensure seamless claim process. Lastly, it is essential to review your policy documents, contact your insurer, and verify that the treatment is covered to ensure easy and smooth claim settlement.

The writer is Chief Distribution Officer, ManipalCigna Health Insurance

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