Domiciliary treatment under IBS sponsored medical insurance scheme

[M A Prasad]

Dear emember,

I am getting a few calls on the subject in the last couple of days, based on my mail.  I wish to clarify as under:

1. I am not a member of this insurance policy earlier and nor I plan to get covered under this policy.  Hence I may not be aware of exact conditions.

2. I have been giving my personal views based on the two documents I am attaching: (1) document from Mr. Venkat Bhattachar which was sent in this blog and (2) document published by Canara Bank friends as clarification received from UIIC.  Please go through before making decisions on whether cover or not to cover.

3. My opinion is based on the group policy in which I am coverd for the last 15 years (with TCS since last 10 of my service was with TCS before I retired and policy is with New India Insurance Co with Medi Assist as TPA).  My experience has been extremely satisfactory about the claim settlement process - with cashless or reimbusement of hospital bills, domiciliary treatment reimbursement which usually has a sub-limit with in the insurance covered.

4. I would suggest members would take Insurance company into confidence by way of written clairifications of all their doubts, rather than just depending on my views or for that matter anyone's views on the subject

General practise as followed in the insurance industry is that medical insurance is only for hospitalisation and domiciliary in their language may refer to certain special conditions on which though not hospitalised, they may still reimburse with certain limits.  e.g. Cataract surgery, dental surgery, minor accidents related procedures etc.  This is what I have been trying to communicate in my responses and this mail is clarify this position and as an abundant precaution so that every one woult take proper view of the subject and decide - later there should be no regrets.

Thanks and regards

M A Prasad
Phone  +91 431 4030516

Mobile  +91 75985 12516

Res: F12, Sri Karpagavruksham Apartments

        Subramaniapuram Road, Seshadripuram

        Srirangam, Trichy 620006

[madhav rao]

One of the Insurance company defines as follows:

Domiciliary Treatment/Hospitalisation means medical treatment for an illness/deisase/injury
which in the normal course would require carte and treatment at a hospital but is actually
taken while confined at home under any of the following circumstances:

1. The condition of the patient is such that he/she is not in a condition to be removed to a
hospital, or
2. The patient takes treatment at home on account of non-availability of room in a hospital.

V Madhava Rao.

On Sun, 16 Oct 2016 09:21:38 +0530 M A Prasad wrote

>Dear emember,
I am getting a few calls on the subject in the last couple of days, based on my mail.  I wish
to clarify as under:1. I am not a member of this insurance policy earlier and nor I plan to

get covered under this policy.  Hence I may not be aware of exact conditions.2. I have been

giving my personal views based on the two documents I am attaching: (1) document from Mr.
Venkat Bhattachar which was sent in this blog and (2) document published by Canara Bank
friends as clarification received from UIIC.  Please go through before making decisions on

whether cover or not to cover.3. My opinion is based on the group policy in which I am coverd

for the last 15 years (with TCS since last 10 of my service was with TCS before I retired and
policy is with New India Insurance Co with Medi Assist as TPA).  My experience has been
extremely satisfactory about the claim settlement process - with cashless or reimbusement of
hospital bills, domiciliary treatment reimbursement which usually has a sub-limit with in the

insurance covered.4. I would suggest members would take Insurance company into confidence by

way of written clairifications of all their doubts, rather than just depending on my views or
for that matter anyone's views on the subject
General practise as followed in the insurance industry is that medical insurance is only for
hospitalisation and domiciliary in their language may refer to certain special conditions on
which though not hospitalised, they may still reimburse with certain limits.  e.g. Cataract
surgery, dental surgery, minor accidents related procedures etc.  This is what I have been
trying to communicate in my responses and this mail is clarify this position and as an
abundant precaution so that every one woult take proper view of the subject and decide - later
there should be no regrets.

Thanks and regardsM A Prasad
Phone  +91 431 4030516Mobile  +91 75985 12516

Res: F12, Sri Karpagavruksham Apartments
        Subramaniapuram Road, Seshadripuram
        Srirangam, Trichy 620006

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