Coronavirus Health Insurance Policy

COVID-19 insurance is a customised health insurance policy that offers coverage for expenses related to treatment required due to a positive diagnosis of COVID-19. Apart from these, the existing health insurance plans also now provide coverage for hospitalisation arising due to COVID-19. Pandemic declared coronavirus (COVID-19) has impacted the lives of many across the globe. In India, the total number of people affected by the disease stands at 3.46 Crore, out of which 4.7 Lakh have lost their lives to this deadly disease (as of December 2, 2021).

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Where Indians were not even over the loss experienced in the second wave, the experts say that the 3rd wave of corona is likely to arrive soon. As per the reports, the third wave of the COVID-19 pandemic is more dangerous than the first and second waves and hence more precautions need to be followed to curb its spread. The third wave may peak in October 2021 in India with a total number of cases expected around 6 Lakh per day. Keeping into consideration the number of cases going up, the Insurance Regulatory and Development Authority in India (IRDAI) had issued a circular asking the insurance providers to come up with health insurance plans to offer protective coverage for expenses related to the coronavirus disease.

Let us learn more about coronavirus and coronavirus insurance policy to analyze its need in the current times.

What is Coronavirus (COVID-19)?

Novel coronavirus (COVID-19) is a group of viruses that attack the immune system of a person that result in diseases as mild as the common cold to as severe as Severe Acute Respiratory Syndrome (SARS). It is an infectious disease that originated in China’s Wuhan in late December 2019. COVID-19 is a highly contagious virus that shows symptoms similar to those of regular flu. These include fever, dry cough, tiredness, and sore throat.

However, the disease affects different people in different ways. It has been fatal for people aged above 60 years and those with pre-medical conditions.

Nearly two years after the first COVID-19 strain was launched in India, a new variant named omicron may be on the rise anytime soon. Discovered in South Africa, the cases related to the omicron variant have been reported in at least 24 countries as of now. The scientists are trying to understand the differences and effects of this strain and world leaders are considering omicron as a variant of concern, but not panic. The presence of the omicron variant can be identified by most of the COVID PCR tests and one can easily get the same detected by the nasal swab test.

India has several vaccines for COVID-19 such as Covaxin, Covishied, Johnson & Johnson, Moderna, Sputnik V, and Zydus Cadila, with which the nation is all set to defeat the virus. It is still unclear how these vaccines would react to the omicron variant, but it is recommended for all to get both the doses of COVID-19 vaccine soon as the scientists are hopeful for them to work well. So, if you have taken the first shot of COVID-19 already, but have not taken the second shot yet, now is the time to get it.

How Does The Coronavirus Spread?

Coronavirus is a respiratory virus that primarily spreads through saliva droplets when the infected person sneezes or coughs. It can even spread through discharge from the nose. To avoid the spread of the virus, you must clean your hands frequently with soap and water or an alcohol-based hand sanitiser. Also, you must use a disinfectant to clean commonly used surfaces like tables, doorknobs, handles, drawers, etc., to avoid the spread of germs.

Is Coronavirus Dangerous?

COVID-19 has been declared as a serious illness, more dangerous than flu, by the World Health Organisation. The symptoms of the illness range from mild to severe. When the confirmed cases were analysed, it was concluded that around 80% of them were mild and 15% were severe enough that they required hospitalisation. And about 5% of the cases were in the critical stage. Also, there were a huge number of deaths reported in these cases. However, there is a fear factor that is still there even after many months of the pandemic and with vaccination drives going on across the country.

What is Coronavirus Insurance Policy?

Covid-19 health insurance policy is a customised health insurance aimed at covering hospitalisation, pre-hospitalisation and post-hospitalisation expenses, and other medical expenses arising due to the treatment of COVID-19. Almost all health insurance policies now offer cover for the treatment of coronavirus in India. The cover is available from day 1 after the insured is tested coronavirus positive. Since COVID-19 is a new disease, it does not fall under the category of pre-existing diseases.

Role of Coronavirus (COVID-19) Health Insurance Policy

In this ongoing pandemic situation, where coronavirus (COVID-19) is not looking to go away soon, having coronavirus (COVID-19) insurance can be highly beneficial. This is because a specially designed coronavirus health insurance plan covers you against the hefty expenses associated with the treatment of this highly infectious disease. A COVID-19 health insurance policy covers you for various in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, thereby letting you focus entirely on your quick recovery. So, if you do not want to use your entire savings on paying for hospital bills, then you must avoid procrastinating and buy adequate health insurance cover for yourself and your family at the earliest.

However, it is important to note that COVID-19 health insurance policy do not cover during the isolation period when the treatment is not required.

Coronavirus (COVID-19) Health Insurance Plans in India

If you are looking for health insurance with comprehensive coverage, then you can purchase a standard health insurance policy that covers all medical expenses including those related to the treatment of novel coronavirus. One can also choose from two short-term health insurance policies recently launched by the IRDA that are designed to cover coronavirus treatment expenses only.

Types of Coronavirus Health Insurance Policy in India

Below are two types of corona health insurance plans in India.

1. Corona Kavach Policy for COVID 19

Corona Kavach Policy is a single premium standard health insurance policy that covers treatment expenses related to COVID-19. It is an indemnity-based health insurance policy that covers both individuals as well as families at an affordable premium. You can cover self, dependent children, parents, and parents in law under this policy for a period of 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days). Offered by both private and general insurers, the policy offers cover against AYUSH treatment expenses, homecare treatment expenses, pre-hospitalisation expenses, post-hospitalisation expenses, and road ambulance expenses. The best thing about the policy is that it comes with a short waiting period of 15 days, which means that you can start availing of policy benefits soon. Also, you can opt for a daily cash benefit by paying an extra premium.

2. Corona Rakshak Policy for COVID 19

Corona Rakshak Policy is a standard health insurance policy especially designed to cover treatment expenses related to COVID-19 is Corona Rakshak Policy. Unlike Corona Kavach Policy, it is a benefit based health insurance policy that pays the insured a lump sum benefit equal to 100% of the sum insured if he/she is tested positive for COVID-19. The policy offers coverage on an individual basis for sum insured options ranging between Rs. 50,000 and Rs. 2.5 lakh in the multiples of Rs. 50,000.

The policy can be purchased by people aged between 18 years and 65 years. Available for short policy terms of 3.5 months, 6.5 months, and 9.5 months, the policy gets terminated upon the payment of benefit. But the insured can avail of policy benefits only he/she is tested COVID-19 positive at a government recognised center and gets hospitalised for at least 72 hours continuously. The policy comes with a short waiting period of 15 days but does not offer lifetime renewability benefit, it being a benefits based policy.

Corona Kavach Policy Vs Corona Rakshak Policy

As discussed, Corona Kavach Policy protects the insured from healthcare expenses related to hospitalisation and treatment in case the policyholder catches COVID-19 infection. The policy covers most of the hospitalisation expenses including treatment cost, medication, room rent, nursing, etc. But this COVID-19 insurance policy only takes care of the treatment cost and nothing else will be covered.

Whereas Corona Rakshak Policy is a benefit-based policy that offers 100% of the sum insured irrespective of medical expenses incurred. The policy is recommended if you are the breadwinner in your house.

Getting Covered Under Corona Medical Insurance alongside a Basic Health Insurance Policy

If you already have a health insurance policy that protects you from expenses incurred on room rent in case of hospitalisation, then you must go for Corona Rakshak Policy. If you do not already have a health insurance policy, then you can buy Corona Kavach Policy as it protects you against room rent and other expenses.

In case you are the sole earner in your family, then buying a Corona Rakshak Policy is recommended. It is advised that you buy covid insurance cover for at least 125% of your monthly salary. But make sure that this amount does not affect your financial position without any financial burden. So, if income replacement is your sole priority, then you must opt for this policy.

You may also purchase Corona Kavach Policy if you already have a health insurance cover. But the claim settlement may differ with different policies laid out. So, it comes down to how much premium you are willing to pay and which policy you chose to buy.

Health Insurance Companies Offering Coronavirus Health Insurance Policy in India

Tabulated below are health insurance companies that offer Corona Kavach Policy and Corona Rakshak Policy to the customers.

Health Insurance Company

Corona Kavach Insurance Corona Rakshak Insurance

Acko General Insurance Ltd.

Yes

No

Aditya Birla Health Insurance Co. Ltd.

Yes

No

Bajaj Allianz General Insurance Co Ltd

Yes

No

Bharti AXA General Insurance Co. Ltd.

Yes

No

Cholamandalam MS General Insurance Co. Ltd.

Yes

Yes

Edelweiss General Insurance Co. Ltd.

Yes

Yes

Future Generali India Insurance Co. Ltd.

Yes

Yes

Go Digit General Insurance Ltd

Yes

Yes

HDFC ERGO General Insurance Co.Ltd.

Yes

No

HDFC ERGO Health Insurance Limited

Yes

No

ICICI Lombard General Insurance Company Ltd

Yes

Yes

IFFCO Tokio General Insurance Co. Ltd.

Yes

Yes

Kotak Mahindra General Insurance Co. Ltd.

Yes

No

Liberty General Insurance Ltd.

Yes

No

Magma HDI General Insurance Co. Ltd.

Yes

No

ManipalCigna Health Insurance Company Limited

Yes

Yes

Max Bupa Health Insurance Co. Ltd

Yes

No

Navi General Insurance Ltd.

Yes

Yes

National Insurance Co. Ltd.

Yes

No

Raheja QBE General Insurance Co. Ltd.

Yes

No

Reliance General Insurance Co.Ltd

Yes

Yes

Care Health Insurance Co. Ltd

Yes

No

Royal Sundaram General Insurance Co. Ltd.

Yes

No

SBI General Insurance Co. Ltd.

Yes

No

Star Health & Allied Insurance Co.Ltd.

Yes

Yes

Tata AIG General Insurance Co. Ltd.

Yes

No

The New India Assurance Co. Ltd

Yes

No

The Oriental Insurance Co. Ltd.

Yes

Yes

United India Insurance Co. Ltd.

Yes

No

Universal Sompo General Insurance Co. Ltd.

Yes

Yes

Update: 19th Aug 2021

Best Coronavirus Health Insurance Plans Based On Claim Settlement Ratio

Corona Kavach Policy and Corona Rakshak Policy are the two ultimate short-term coronavirus health insurance options that customers can choose from.

If you want to make a choice for your Covid-19 health insurance right away, take a look at the top 5 Corona Kavach Policies and top 5 Corona Rakshak Policies mentioned below. Please note that the ranking of the companies offering Corona Kavach Policies and top Corona Rakshak Policies has been done on the basis of claim settlement ratio since CSR is one of the key aspects to keep in mind while making a choice. The CSR for the year ended March 31, 2020, has been considered for ranking purposes.

Top 5 Corona Kavach Insurance Policies on the Basis of CSR for the Year 2019-2020

Health Insurance Company

Claim Settlement Ratio

IFFCO Tokio

96.33%

Magma HDI

95.17%

New India Assurance

92.68%

Oriental Insurance

93.96%

Bajaj Allianz

92.24%

Source: IBAI’s General Insurance Claim Insights Handbook - 5th Edition.

Top 5 Corona Rakshak Policies on the Basis of CSR for the Year 2019-2020

Health Insurance Company

Claim Settlement Ratio

IFFCO Tokio

96.33%

Oriental Insurance

93.96%

Manipal Cigna

85.72%

Future Generali

82.96%

Navi (DHFL) Health Insurance

86.98%

(Source: IBAI’s General Insurance Claim Insights Handbook - 5th Edition.)

How to Buy Coronavirus Health Insurance from InsuranceDekho?

At InsuranceDekho, you can purchase a coronavirus insurance policy in two ways, i.e. online or offline. Both the processes are simplified enough and do not take much of your time.

To buy corona mediclaim insurance online, you must follow the simple steps given below:

1. Visit the official website of InsuranceDekho. Then click on the ‘Health’ tab.
2. Select your gender and enter your name and mobile number. You will receive an OTP, i.e. a One Time Password on the number given. Kindly enter that.
3. Tell us when you wish to purchase the policy by selecting an option from the drop-down menu. Then click on ‘View Quotes’.
4. Select the family members if you wish to add them too under your COVID-19 insurance policy. Then click on the ‘Continue’ button.
5. Select the age of the chosen family members.
6. Enter your Email ID and City. Then click on the ‘Submit and View Quotes’ button. There will be most suitable corona medical insurance plans displayed on your screen. Click on the one you want to purchase.
7. Select the term for which you want to buy the shortlisted COVID insurance cover.
8. Enter the required details and make the payment online via a secured payment gateway.

If you are unable to buy COVID insurance cover online, then you can opt for the offline process too. For this, you will be required to contact the customer care executives at insuranceDekho on the toll-free number 7551-196-989 and share your requirements. You can contact the executives any day between 9:30 AM to 6:30 PM. They will help you buy the most suitable corona insurance policy for you and your family at affordable premiums.

Key Benefits of Coronavirus Health Insurance

Coronavirus health insurance plans offer a wide array of benefits. Apart from the coverage benefits including hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, one of the advantages offered by these plans is the convenience of premium. As these are short-term policies, there is no burden on you to keep paying the health insurance premiums for a lifetime.

Along with a Corona Kavach Policy or a Corona Rakshak Policy, it is imperative to have a regular health insurance policy as well for enhanced coverage. Also, kindly note that if there is a claim made during the policy term of any Coronavirus health insurance policy, then the No Claim Bonus of the existing health insurance policy will not have an immediate impact on it.

Also Read: Which COVID-19 Vaccine Should I Get?

What is Covered Under Coronavirus Health Insurance Policy?

Coronavirus health insurance policies offer cover against the following medical expenses:

  • Hospitalisation Expenses: Coronavirus health insurance policies cover hospitalisation expenses arising due to COVID-19 if it exceeds more than 24 hours.
  • Quarantine Cover: COVID-19 specific health insurance policies also cover the insured individuals who are quarantined in government identified authorities.
  • Additional Coverage: Some coronavirus specific health insurance policies like that offered by Go Digit General Insurance Ltd offer add-on covers that the insured can opt for by paying an extra premium. For instance, expenses related to alternative treatment (AYUSH), maternity benefit with newborn baby cover, and so on.

What is Not Covered Under Coronavirus Health Insurance Policy?

Coronavirus health insurance policy does not offer cover against the following medical expenses:

  • Home Quarantine: Expenses incurred during the quarantine period spent at home are not covered under COVID-19 specific health insurance policies.
  • Non-Recognised Quarantine Center: Medical expenses incurred when the insured is kept in quarantine at a non-recognised center for the treatment of COVID-19 are not covered.
  • Pre-Existing Diseases: Any expenses arising due to treatment of pre-existing illnesses are not covered until the waiting period is completed.
  • Hospitalisation Without Doctor’s Recommendation: If the insured gets hospitalised without the recommendation of a qualified doctor as specified on the prescription, then he/she will not be covered for the expenses arising due to treatment.

Is Coronavirus Covered Under My Existing Health Insurance Policy?

Yes. As per the mandate by Insurance Regulatory and Development Authority in India (IRDAI), all general and health insurance companies have to offer coronavirus cover under their health insurance plans, irrespective of which policy you own.

How to Make a Claim Under Coronavirus Insurance Plans?

The claim settlement process for coronavirus (COVID-19) health insurance policies is similar to that for regular health insurance policies. Under coronavirus health insurance policies, claims can be made in two ways, namely cashless claims and reimbursement claims. As talked about before, cashless claims can be availed if the treatment is taken at a network hospital. Whereas, reimbursement treatment facilities can be availed even at a non-network hospital. Read below to understand the process for both in detail:

  • Cashless Claims: All the insurance companies today offer cashless treatment facilities. The process offers you quality medical treatment without having you pay anything at the hospital. It keeps you at ease even in difficult times. To avail of the benefit, you are just required to avail treatment at a network hospital and inform the insurance company about the same. The insurance company, after verifying the details, will settle the medical bill directly at the hospital. But before availing of treatment and making a health insurance claim, make sure if your health insurance policy covers treatment related to coronavirus or not.
  • Reimbursement Claims: Reimbursement claims require you to avail of medical treatment for coronavirus (COVID-19) at any non-network hospital. You are then required to settle the bills out of your own pocket at the time of discharge after informing the insurer. Later when you make a claim, the insurance company transfers the amount to your bank account. But the insurance company settles the claim only after verifying medical bills and other documents.

Difference Between Social Distancing, Self-Isolation And Quarantine

The terms social distancing, self-isolation, and quarantine describe different approaches to limit the spread of various pandemics and epidemics including the novel coronavirus. To understand the difference between them in detail, read below:

Social Distancing Self-Isolation Quarantine
Social distancing or physical distancing is to stay indoors/at home thereby maintaining space between yourself and other people outside your home to prevent the spread of disease. It is advised to keep yourself at a distance by staying at least 6 feet i.e. 2 meters away from others outside your residence and avoiding large gatherings. Keeping yourself at a distance from other people also includes no handshakes, hugs, unnecessary trips to the store, etc, even when you have no symptoms of the disease. This helps in limiting possible transmissions from or to people. Self-isolation means separating people who are ill, from the ones who are not, to avoid the possible spread of the disease. Kindly note that self-isolation is not only recommended for those who have possible symptoms of the disease, but also for those who do not have symptoms but are tested positive for the disease. For COVID-19 patients who are very ill, even hospitals have isolation wards. But for those who have mild symptoms, home isolation is recommended. It is when someone stays at their home or at a specific facility for 14 days after exposure to a person who has symptoms or who is diagnosed positive for the disease. Those who do not develop any symptoms of the disease after the quarantine period ends are released. It helps in preventing the spread of the disease from infected people before they feel ill or have any symptoms.

Important Things to Consider When Buying Coronavirus Insurance Cover

Before buying a COVID-19 health insurance policy, there are a few things that you must keep in consideration. Some of these are explained below:

1. Sum Insured: A person who gets diagnosed with COVID-19 may suffer from a severe respiratory illness which may impact the overall functioning of the body. And the treatment for the same may cost a lot especially if someone has an underlying disease. So, when purchasing a COVID-19 health insurance policy, you must go for an adequate sum insured so that you and your family members are sufficiently covered in the time of need.

2. Coverage: Most health insurance plans for COVID-19 cover you for in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, road ambulance expenses, OPD expenses, etc. When choosing a COVID-health insurance policy for yourself and your family, look for as many coverage benefits as possible, so that you do not have to go through any trouble at the time of claim.

3. Waiting Period: The waiting period is that period that you have to wait for after buying a health insurance policy, to be eligible to make a claim. Most COVID-19 health insurance plans come with an initial waiting period of 30 days while others come with lesser waiting periods like 16 days or 15 days. So, do not forget to check the waiting period before purchasing any health insurance policy.

Tips to Follow When Buying COVID-19 Insurance

Experts warn that when buying COVID insurance cover, one should be very careful. Here are a few things tips that you must follow in order to make the best and informed decision when buying corona mediclaim policy:

  1. You must look for an easy and quick claim settlement process. Make sure that the insurance company you choose offers you the same so that you or our family members do not face any difficulty in case of an emergency.
  2. Do not forget to go through the exclusions and limitations under your corona mediclaim policy. It is important to understand the policy details so that you don’t find any hurdle at the time of claim settlement.
  3. Make sure that you go through the list of network hospitals in India so as to avoid a last-minute rush for making decisions at the time of emergency. Make sure that the hospital you chose is nearby your place and has the facility to handle emergencies arising due to the novel coronavirus.

Common Mistakes to Avoid When Buying COVID-19 Insurance

As important it is to buy COVID-19 insurance policy during the pandemic times, equally important it is to choose the right one for yourself and your family. Here are the common mistakes that you should avoid to make the right choice:

  1. Choosing insufficient cover: This is the biggest mistake one can make when buying health insurance plans for COVID-19 online. A health insurance plan with insufficient sum insured may be of no use when the time comes. Hence, you should choose the plan with enough sum insured for all the members covered in the policy.
  2. Overlooking the exclusions: We focus more on what an insurance company covers us for and forget to understand the exclusions under it. But knowing the exclusions help you avoid any discrepancy at the time of claim settlement.
  3. Not reconsidering a different health insurance company: Different health insurance companies offer different health insurance plans which come with different coverage benefits. So, instead of shortlisting the first insurance company or health insurance plan you see, you should check other insurers and similar plans offered by them, and choose the most suitable one after comparing them.
  4. Not sharing medical history: The last thing you would want under your COVID-19 health insurance plan is hassle at the time of claim. To avoid any situation like it, it is recommended to disclose the required information about your health at the time of policy purchase. Otherwise, it may go against you at the time of claim settlement and the policy would be of no use to you.

Common Symptoms of COVID-19

Common symptoms of COVID-19 include the following:

  • Fever
  • Cough
  • Shortness of breath
  • Fatigue
  • Sore throat
  • Breathing problem
  • Body ache
  • Headache
  • Chills, sometimes with shaking
  • Runny nose or congestion
  • Loss of taste or smell
  • Diarrhea
  • Nausea

In many cases, COVID-19 can lead to pneumonia, heart problems, respiratory illnesses, septic shock, death, liver problems, etc. The complications may be caused due to cytokine release syndrome or a cytokine storm. This is when an infection affects your immune system to flood your bloodstream with inflammatory proteins known as cytokines. This can damage your organs and may also require lung transplant.

It is recommended to get medical assistance, in case you or any of your loved ones witness the following symptoms:

  • Breathing problem
  • Continuous pain in chest
  • Bluish lips or face
  • Unable to wake up completely
  • Confusion

In some cases, stroke has also been reported by people suffering from COVID-19. In this case, you must remember ‘FAST’:

  • Face: Check if the person’s face is numb or drooping or if their smile is lopsided.
  • Arms: See if one arm is weak or numb, or if one arm sags if they try to raise both arms.
  • Speech: Ask them to repeat a sentence to check if they are able to speak properly.
  • Time: Time is precious for anyone facing these symptoms. So, you should not waste any time and immediately seek medical assistance.

The symptoms of COVID-19 may show up any time in between 2 days or 14 days, which varies from one person to another.
As per researchers in China, here are the most common COVID-19 symptoms seen in people- fever, fatigue, cough, lack of appetite, body ache, shortness of breath, and phlegm. Some people also experienced blood clots in legs, arteries, lungs, etc.

How Can I Protect Myself From Coronavirus?

To protect yourself from Coronavirus, you must take the following precautions:

  • Follow social distancing practice by keeping yourself at a distance of at least 6 feet, i.e. 2 meters from people outside your house.
  • Avoid visiting marketplaces, malls, or other places with poor ventilation.
  • Wash your hands often with soap and water for at least 20 seconds. If soap and water is not available, then you may also use an alcohol-based hand-sanitiser with at least 60% of alcohol intent.
  • Wear a face mask whenever in a public place, especially when you cannot maintain sufficient distance from people.
  • Avoid touching your eyes, nose, and mouth.
  • Use a tissue to cover your nose and mouth whenever you sneeze or cough. Dispose off the tissue properly and wash your hands after that.
  • Use a disinfectant to clean the surfaces that you touch on a daily basis such as the table, chair, etc.

What to Do if You Think You Are Infected?

If you live or have travelled to an area that has active COVID-19 cases, then you must read the following points carefully:

  • Stay at home if you are not feeling well. Even if you have mild symptoms such as headache, feverish, runny nose, etc., then you must not move out unless you feel better. This makes it easy for the doctors to focus more on people who are majorly ill and protects healthcare workers as well as reduces the risk to other people while you are on your way to the hospital.
  • Call the doctor if you are facing breathing issues and follow his/her advice. You must get medical help without wasting any time.
  • Keep yourself updated with COVID-19 news. It will help you understand how you can stop the spread of the virus as well as take care of yourself and your loved ones.

Also Read: Precautions to Take for Third Wave of COVID-19

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FAQs About COVID 19 Health Insurance Policy in India

  • What is not covered under a COVID-19 health insurance policy?

    Coronavirus health insurance policy has the following exclusions: 

    • Expenses incurred due to participation in any adventurous sport
    • Expenses related to treatment required due to self-inflicted injuries. For instance, attempt to suicide
    • Claim arising due to war are not covered
    • Venereal or sexually transmitted diseases are not covered
    • Treatment of obesity or cosmetic surgery is not covered
    • Cover for accidents while participating in defense operations are not covered
  • Can I avail cashless treatment facility under a COVID-19 health insurance policy?

    Yes. You can avail both cashless as well as reimbursement treatment facility under a coronavirus health insurance policy. However, cashless treatment facilities can only be availed at a network hospital. 

  • Is there any waiting period applicable for claims under COVID-19 health insurance plans?

    If your policy covers OPD treatment expenses, then there is no waiting period. You can make a claim for OPD expenses in accordance with the terms and conditions mentioned under your policy. In case the hospitalisation is required due to COVID-19, then you will be required to complete an initial waiting period of 30 days if it is a fresh policy. You will not be required to complete a waiting period if the policy is renewed timely without any break. 

  • Do health insurance plans for COVID-19 cover diagnostic tests and consultations with a medical practitioner?

    If your COVID-19 health insurance policy protects you against OPD expenses, then you will be covered for all the consultations advised by a medical practitioner as well as diagnostic tests that he/she advises. You can make a claim for OPD expenses as per the terms and conditions stated under your COVID-19 health insurance policy. Also, many health insurance plans for COVID-19 cover pre-hospitalisation expenses and post-hospitalisation expenses for up to a specific number of days. These also include expenses related to diagnostic tests and consultations with a medical practitioner. 

  • Should I get a COVID-specific insurance plan?

    Yes. Getting a COVID-19 specific health insurance policy even if you have a standard health insurance policy is a wise option. This is because there are several benefits that you can enjoy under a COVID-19 specific health insurance policy that standard health insurance plans might not offer. There are two types of COVID-specific health insurance plans that you can choose from. These include Corona Kavach Policy and Corona Rakshak Policy.  

  • Does the standard individual COVID-19 health insurance plan suit me?

    Standard health insurance product for COVID-19 is an affordable health insurance plan that suits the requirements of all. The policy offers you sum insured options ranging between Rs. 1 lakh and Rs. 5 lakh in multiples of Rs. 50,000 and you can purchase the same to get coverage against several COVID-19 related medical expenses. 

  • Which is the best insurance policy that covers COVID-19 treatment?

    There are a few health insurance plans in the market that are especially designed to cover medical expenses incurred due to a positive diagnosis of COVID-19. Some of them are Corona Kavach Policy, Corona Rakshak Policy, and Arogya Sanjeevani Policy.  

  • Is there any vaccine for COVID-19?

    Yes. Currently, there are two vaccines in India for COVID-19, named Bharat Biotech’s Covaxin and Serum Institute of India’s Covishield. There is a third vaccine named Sputnik V, the first dose of which has recently been administered in Hyderabad. To check available vaccine slots, you can use the COVID-19 Vaccination Slot Finder

  • Is there any specific setting where COVID-19 can spread easily?

    Any place where people are present close to each other or a place that does not have sufficient ventilation can increase the risk of spread of the coronavirus. In short, people present at indoor locations are at more risk compared to those at outdoor locations.

  • Can I get COVID-19 from eating fresh fruits and vegetables?

    It has not been proven yet that people can get COVID-19 from fruits and vegetables or other food items. In fact, intake of fresh fruits and vegetables is recommended as it is healthy for a human body.

  • How should I wash fruits and vegetables in times of coronavirus?

    Wash fruits and vegetables with clean water, especially if they are to be eaten raw. Also, do not forget to wash your hands thoroughly before handling them.

  • Which disinfectant should I use to clean regularly touched surfaces in my house?

    To eliminate the virus from frequently touched household surfaces, use virucidal disinfectants like 0.05% sodium hypochlorite and at least 70% of ethanol based products.

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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