Homecare

An in-home nursing service offers personalized nursing care at home as offered in a typical hospital while being more compassionate towards the patient and gets integrated into the patient’s family and develops an emotional bond with the patient and their family.

The services offered by home care nursing are provided by registered nurses, physiotherapists and occupational therapists among others. And as such you need not worry on the quality of service offered by the home nurse.

In the past, the phrases In-Home Care, Home Care and Home Health Care were used interchangeably. Today however, people have developed a better understanding towards Home Health Care or In-Home nursing service which is basically skilled nursing care whereas the term In-Home Care refers to non-medical care services like personal care and companionship and supervision.

The home nursing services are now much in demand owing to rising hospitalization charges, availability of quality health care services and the demand of the elderly who prefer familiar surroundings to sterile hospitals and nursing homes.

The cost of home care nursing services varies depending on the criticality of the illness and the duration of the service sought. Nevertheless the cost of the home care nursing services has been found to be anywhere between 20% and 50% cheaper as compared to hospitalization.

Looking at the growth of the home healthcare services, several insurance agencies have brought forth varied policies and coverage options that cater to various needs and specifications.

The benefit period ranges from three to five years and is related to maximum daily benefit over the number of years in the benefit period. However, insurance covers only part of the total claims for specific products and services and the amount for home healthcare is capped.

The cost of home health care insurance also depends on several factors like your residential area and the type of care you need. Contact your general insurance provider and enquire about their home health care policy and the premium they can work out for you.