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Coronavirus Disease Is Being Covered By Health Insurance Companies in India

Published On Mar 21, 2020, Updated On Apr 22, 2021

Coronavirus has taken the world by storm. Amidst the sudden outbreak, a very pertinent question that everyone has in mind is –

Will my health insurance cover coronavirus?

The answer is very simple – YES.

According to new guidelines of IRDAI, the novel coronavirus will be covered under the basic health insurance policy. So, your health insurance policy will cover treatment for coronavirus provided the patients already had health insurance before they contracted coronavirus.

So, there is absolutely nothing that a customer or the patient has to worry about.

How will health insurance cover COVID-19?

Dedicated Health Insurance Companies have started widening their horizon to offer greater coverage to the policy buyers via their health insurance plans. GoDigit, ICICI Lombard, ManipalCigna, Universal Sompo, Aditya Birla to name a few are among the insurance companies providing health insurance companies to cover the novel coronavirus.

Also read, Coronavirus Symptoms and Precautions in India

Coronavirus in India: Rain's Impact on Novel Coronavirus (COVID-19)

The insurance companies cover the COVID-19 disease in the same way as other diseases.

Let’s say dengue or malaria is covered in health insurance. As the new infection is not a pre-existing condition, so there is no intended loophole in the inclusions under health insurance plans.

This means, everything from pre and post-hospitalisation, in-patient treatment, OPD expenses, and ambulance service charges to any other benefits offered under your health insurance plan, will be covered.

IRDAI’s guidelines on handling claims related to Coronavirus

As per IRDAI, insurance claims related to coronavirus will be handled by the insurance companies according to the following norms -

  1. In a product where hospitalisation is covered, insurers shall make sure that the Coronavirus related claims shall be handled with speed and efficiency.

  2. The costs of acceptable medical expenses during the treatment (including treatment for during quarantine period) shall be settled as per the applicable policy terms and conditions and the existing regulatory framework.

  3. All the claim requests related to the coronavirus shall be thoroughly investigated by the claims review committee before any kind of rejection.

  4. To meet the health insurance requirements of different sets of people, insurers are asked to design products to cover coronavirus too.

  5. The guidelines are issued under the provision of Section 14(2) (e) if the IRDAI Act, 1999. These shall come into force immediately.

​To buy health insurance for coronavirus disease, contact customer care executives at InsuranceDekho on the toll-free number 1800-1205-698. We will provide you with health insurance cover against coronavirus today.

You may also like to read Social Distancing Guidelines to Fight Coronavirus in India

You may also like to read covid-19 health insurance policies

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