health insurance policy doesn't cover home care treatment cost or domiciliary hospitalisation, then instead of porting it to a new health policy, you can now buy an add-on home care treatment cover. "The Insurance Regulatory and Development Authority of India (Irdai) has advised insurers to consider offering "Home Care Treatment" and/or "Domiciliary treatment" as an add-on cover to existing insurance products on charging an additional premium.
This add-on cover would be quite relevant from a broadening of coverage perspective, especially during a pandemic, where most are treated at home, and the situation is still uncertain & volatile," said Biresh Giri, Appointed Actuary, Head - Product Development & CRO, ACKO Insurance.