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3 Health Insurance Plans That Can Help You Amid COVID-19 Pandemic

Published On Oct 23, 2021 5:30 AM By KANIKA WADHWA

Health insurance plans offer financial security to the insured, especially during pandemic times like COVID-19. As we know that the first and second waves of COVID-19 impacted many lives in India, it thus becomes extremely important to take precautionary measures as well as seek adequate health insurance cover to protect you and your family in case an emergency arises in the future.

Here are a few COVID-19 health insurance plans that help you mitigate rising medical expenses:

1. Corona Kavach Policy

It is a short term health insurance policy that offers you financial protection in case you test positive for COVID-19. Launched by the Insurance Regulatory and Development Authority of India, the policy is offered by both general insurance companies as well as standalone health insurance companies offering health insurance plans. It is an indemnity based health insurance plan that covers you for several medical expenses some of which include AYUSH treatment expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, ICU expenses, in-patient hospitalisation expenses, etc. As it is a short term policy, it comes with a waiting period of 15 days and can be purchased for a period of 3.5 months, 6.5 months, and 9.5 months. Also, the policy comes with an optional cover for hospital daily cash.

You May Also Like to Read: Health Insurance Policy Renewal - Guide To Online Process

2. Corona Rakshak Policy

Corona Rakshak Policy is another short term health insurance policy that covers you for treatment required due to a positive diagnosis of COVID-19. But unlike Corona Kavach Policy, this one is a benefit based policy that offers a lump sum benefit equal to 100% of the sum insured in case you test positive for COVID-19. But you can only avail yourself of benefits if the diagnosis was done at a government recognised diagnostic centre. It is an economic policy that can be purchased by paying an affordable premium.

3. Arogya Sanjeevani Policy

Arogya Sanjeevani Policy is another standard health insurance policy that covers you and your family for expenses arising due to a positive diagnosis of COVID-19. Available for individuals as well as families, this policy also comes at an affordable premium and offers covers for hospitalisation expenses arising due to a positive diagnosis of COVID-19. You can buy this policy if you are aged between 18 years and 65 years and can avail of several coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, AYUSH treatment, daycare treatment, cataract surgery, road ambulance cover, plastic surgery and dental treatments, new age treatments, and so on. It comes with a wide range of sum insured options between Rs. 1 Lakh and Rs. 5 Lakh.

Bottom Line

All the above mentioned health insurance plans offer coverage for healthcare expenses arising due to a positive diagnosis of COVID-19 and you can choose from them as per your requirement and other benefits. However, Arogya Rakshak and Arogya Kavach Policy are recommended for people who want affordable coverage only against expenses arising due to COVID-19. Whereas Arogya Sanjeevani Policy is recommended for first-time health insurance buyers, and those who want sufficient coverage at an affordable premium for themselves as well as their families. Whichever you choose, rest assured, it will help you amid the pandemic times.

Also Read Here: How To Find The Right Health Insurance Plan For Coronavirus?


Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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