As healthcare needs evolve, more families are looking for treatment options that don’t always require a hospital bed. Yet many policyholders remain unsure about how domiciliary hospitalization works and whether their plan truly supports home-based care.

Problem
Traditional policy documents focus heavily on hospitalization benefits, often leaving the rules around home treatment unclear. Sub-limits, exclusions, approval conditions, and disease-specific restrictions vary widely across insurers, making it difficult for people to understand whether they’re genuinely protected in situations where hospital admission isn’t possible.

Discovery
This is where structured, data-backed clarity becomes essential. BimaAnalyze, built by Alps Insurance Brokers Pvt. Ltd., evaluates how an individual’s policy handles real-world scenarios such as domiciliary hospitalization. Using simple inputs — like your Pin Code, insurer name, age group, and sum insured — the system analyzes more than 100 factors, including common sub-limit patterns, typical approval rules, and insurer-level claim performance related to home treatment.
The result is your BimaScore — a clear rating between 400 and 1000 that reflects how strong your coverage truly is, including how it may respond to home-based treatment needs.

Vision
With the upcoming launch of BimaSolution on March 31, 2026, users will gain access to personalized recommendations rooted in this data intelligence — helping people choose plans that support flexible, accessible care, including domiciliary hospitalization benefits when needed.