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Health Insurance Plans Offering COVID-19 Cover

Published On Nov 17, 2021

Due to the spread of the global pandemic, the inflation in the health sector has increased drastically thus leading to the exhaustion of the financial savings of the people. Health insurance plans provide people with financial aid for their medical expenses at an affordable premium amount. The health insurance providers have rolled out COVID-19 covers that specifically offer coverage to the individuals for protection against the treatment of coronavirus. A lot of people during the pandemic lost their loved ones to the coronavirus disease due to poor quality of medical treatments and high cost of medical expenses.

Health insurance plans offer COVID-19 specific coverage that includes the costs of hospitalization, medication, vaccination, and much more. These plans come with a short waiting period and thus, can be availed at the earliest by the policyholders. The claim amount under these plans is sufficient to compensate for the medical costs of the policyholders at a private hospital. The network of hospitals that are linked with the insurer offer cashless claim benefits to the policyholders. Under the COVID-19 coverage, the policyholders can avail the expenses of the equipment like nebulizers, masks, PPE kits, etc. depending on the cover chosen by the policyholders.

Health Insurance Plans Offering COVID-19 Cover

Health Insurance Plans Offering COVID-19 Cover

The IRDAI has launched COVID-19 plans that can be either included as an extension to your existing regular health insurance plans or it can be bought as a standalone policy by the policyholders. Apart from those plans, certain insurers have rolled out their customized COVID-19 covers that are packed with exclusive features. Let us look at some of the top health insurance plans that offer the much needed COVID-19 coverage:

Must Read: Things To Consider When Buying COVID-19 Health Insurance Policy

1. Corona Kavach Plan

This single premium indemnity based health insurance cover compensates for the coronavirus treatments of the policyholders. This plan is available on both individual and family floater basis. Along with the costs of hospitalization it also offers the compensation for AYUSH treatments, ambulance charges, medication charges, etc. It comes with a waiting period of 15 days and it can only be claimed when receiving treatments at the government authorized COVID-19 centres. Daily cash benefits can be availed under the plan by paying extra premiums.

2. Corona Rakshak Plan

This benefit based health insurance policy is meant to deal with the medical bills incurred due to the treatment of the coronavirus. Under this plan, the policyholders get a lump sum benefit of 100% of the claim amount, when tested positive for the coronavirus. The claim amount under this cover ranges from Rs. 50,000 to Rs. 2.5 Lakhs. The patient must be hospitalized for at least 72 hours, to claim this health insurance cover. It has a waiting period of 15 days and it can be claimed only when you receive treatment from a government authorized COVID-19 center.

3. TATA AIG Health Insurance Plan

This regular health insurance plan is offered by TATA AIG health insurance company and is an extensive plan that covers the COVID-19 related medical expenses of the policyholders. It provides benefits like tax deduction, network of hospitals, customer support, paperless procedures, and much more. With a good claim settlement ratio, the insurer signifies its credibility in the claiming process. It offers an exclusive COVID-19 support to its policyholders with sufficient coverage.

4. HDFC Ergo Health Insurance Plan

COVID-19 cover under this basic health insurance plan by HDFC Ergo health insurance is comprehensive and affordable. Apart from the cashless claims at the network hospitals, it also ensures the quality treatment of the individuals at the private hospitals. This plan covers the COVID-19 related expenses of the individuals which includes AYUSH treatments, inpatient costs, ambulance charges, intensive care, and a lot more.


It is essential to have some financial aid for the medical expenses to compensate in times of an emergency without exhausting your savings. The recent spread of the global pandemic has made everyone realise the importance of having monetary support for their treatments. COVID-19 disease requires immediate intensive care that can cost a lot to the policyholders, but COVID-19 covers aid the policyholders by providing them monetary support.

Also Read: All You Need To Know About COVID-19 Vaccines

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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