Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  Hurry Up!
Save tax in 80D by purchasing a Health Insurance Today. View Plan

Best Health Insurance Plans With COVID-19 Cover

Published On Jul 30, 2021 11:00 AM By InsuranceDekho

With the spread of the coronavirus across the globe, it has come to the realisation of many that it is necessary to have a financial backup to deal with the medical expenses incurred at the time of a medical emergency. Having a health insurance policy ensures that you and your loved ones get access to quality healthcare at the private hospital without worrying about the money factor. It provides you with compensation for ambulance charges, room rents, inpatient hospitalization, medications, diagnostic tests, etc. There are several add-on covers available in the market to add extra benefits to your existing health insurance cover at a good price, such covers include maternity benefits, critical illness plans, personal accident cover, and a lot more.

Keeping in mind the situation of the past few years, insurance regulators have introduced COVID-19 specific plans which provide benefits to the people diagnosed with coronavirus. These plans are short term and can be availed after a certain days of waiting period, which is lesser than the standard health insurance policies available in the market. You can cover the costs of hospitalization as well as in-house treatment, as prescribed by the doctor. To avail these covers, it is necessary to receive treatment at a government recognized COVID center. 

Best Health Insurance Plans With COVID-19 Cover

Best Health Insurance Plans With COVID-19 Covers

Let us look at some of the widely-known health insurance plans that include COVID-19 specific covers: 

1. HDFC Ergo Health Insurance Plans 

HDFC Ergo health insurance covers COVID-19 disease under all its health insurance plans to make sure that all the individuals get access to quality treatment at the time of a global pandemic at an affordable price. The company has a network of 10,000+ linked hospitals that can provide you with a cashless treatment facility and has a huge trusted customer base. It’s my: health suraksha health insurance plans and super top-up health insurance plans are some of the widely bought health insurance covers for coronavirus, as they compensate for medical expenses like hospitalisation, AYUSH benefits, recovery benefit, pre and post hospitalization, etc. 

2. TATA AIG Health Insurance Policies 

This health insurance provider also offers unique and affordable COVID-19 covers to its customers. It comes with other benefits like tax deduction, wide hospital network, 24X7 customer support, and paperless policies. With a good claim settlement ratio, the plans by TATA AIG health insurance are also reliable and effective for COVID-19 medical support. 

3. MAX Bupa Health Insurance Plans 

Abiding to the guidelines of IRDAI, MAX Bupa also offers a spectrum of COVID-19 covers to its customers. The plans offered by the company come in different variants and can be chosen according to the needs of the policyholder. It also covers the home-care expenses of the customer under its COVID-19 cover. 

Different Types of COVID-19 Health Insurance Plans In India 

According to the guidelines by the IRDAI, it is mandatory for all the insurance providers to include COVID-19 covers in their health insurance plans for the customers. There are different types of COVID-19 health insurance covers that are available in the market, let us have a look at them: 

1. Corona Kavach Policy 

This health insurance policy comes with an assured sum of amount ranging from Rs. 50,000 to Rs. 5 Lakh. It offers medical expenses for hospitalization, ambulance charges, AYUSH treatments, etc. and can be bought for both individuals and families. 

2. Corona Rakshak Policy 

This health insurance cover is available for the patients of coronavirus hospitalized for a minimum of 72 hours. It covers the expenses of nebulizers, PPE kits, masks, oxygen cylinders, etc. and comes with a sum assured of Rs. 2.5 Lakh to Rs. 5 Lakh. This plan is available for applicants between the age group of 18 to 65 years. 


There are various health insurance plans that offer COVID-19 cover to the patient, therefore it is best to compare the plans and choose a suitable one for yourself and your family, ensuring that it meets your requirements at an affordable cost. 

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

Covid Kavach Health Insurance - Features, Exclusions And More

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 45 Lacs+ happy customers