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Affordable Health Insurance Plans With COVID-19 Cover

Updated On Aug 25, 2021

Over the past few years, the global pandemic of coronavirus disease has impacted the lives of almost everyone around the world. The people who have been diagnosed with coronavirus have faced immense difficulty in receiving proper health care due to the financial strain. Individuals have faced the loss of their loved ones due to the coronavirus disease. Thus, over time it has come to the realisation of many that having a health insurance policy is a must due to the growing  uncertainties in life. Health insurance providers have rolled out COVID-19 specific plans which are short term and affordable in nature. 

All the health insurance companies are offering a COVID-19 health insurance plan with their standard health insurance policy and are also offering short term additional plans to deal with the medical dues incurred during the treatment of coronavirus. These plans are of different types and the coverage depends on the insurer. It includes benefits like medication expenses, cost of PPE kits, masks, nebulizers, inpatient costs, domiciliary expenses, ambulance charges, etc. 

Affordable Health Insurance Plans With COVID-19 Cover

About COVID-19 Specific Cover 

COVID-19 health insurance covers are available all over the insurance market in different variants for all groups of people in the society to ensure quality treatment of the policyholders when diagnosed with coronavirus disease. COVID-19 covers are comprehensive, affordable, and offer exclusive benefits to their customers. It comes with a short waiting period so that the customers can avail its benefits as early as possible. Let us look at some of the standard benefits of COVID-19 health insurance plan: 

  • Cost of home treatments for coronavirus disease is provided if prescribed by the doctor. 
  • Consumable expenses like costs of PPE kits, masks, nebulizers, ventilators, gloves, etc. is also covered under the policy. 
  • In most of the COVID-19 specific plans, there is no age-based co-payment. 
  • Cashless claim benefit is also available at the network hospitals of the insurance provider for the ease of the customers. 
  • Different types of add-on covers are available in the market to add extra value to your existing health insurance plan. 

COVID-19 Health Insurance Plans 

COVID-19 cover is available with almost all the base health insurance plans in the insurance market. The IRDAI launched two major affordable COVID-19 health insurance plans that have slightly different features to cater to the needs of the individuals. Let us look at the affordable COVID-19 plans: 

1. Corona Kavach Policy

This is a single premium indemnity based health insurance cover which deals with the medical expenses incurred due to the treatment of coronavirus. It covers both individuals and their families at an affordable premium. For a family floater coverage you can include yourself, your spouse, children, and dependent parents under a single policy with a single sum assured. Apart from the basic coverage this health insurance plan also offers compensation for AYUSH treatments, hospitalization costs, ambulance charges, medication charges, etc. This COVID-19 health insurance cover comes with a waiting period of 15 days and can be availed for treatments in government specified COVID-19 centres. You can also get daily cash benefits on the plan by paying extra premiums. 

2. Corona Rakshak Plan 

This is a benefit based health insurance policy meant to deal with the coronavirus related expenditures. It pays the policyholder lump sum benefit of 100% of the sum assured under the policy when tested positive for the coronavirus. The amount assured under this plan ranges from Rs. 50,000 to Rs. 2.5 Lakhs and it gets terminated after the payment of benefits. You can avail this policy only if hospitalised in a government recognized COVID-19 center. To claim this cover, the patient must be hospitalized for at least 72 hours. With a waiting period of 15 days this COVID-19 cover comes packed with a lot of benefits and features for its customers. 


You can invest in the above-mentioned popular COVID-19 health insurance covers or you can buy a standard and affordable health insurance policy with an additional COVID-19 coverage. Either way you must go through the documents carefully to check the inclusions of your purchased policy cover. 

Also Read: How to Get Vaccinated for Covid-19?

Tips to Choose the Right Health Insurance in Times of COVID-19

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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