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How To Find The Right Health Insurance Plan For Coronavirus?

Published On Jul 19, 2021 11:00 AM By InsuranceDekho

Amidst the global pandemic, several people are suffering a huge loss of their loved ones due to the lack of quality treatment at the hospitals. The unavailability of the basic requirements and lack of hospitalization result in the poor treatment of coronavirus patients. Also, people from the lower middle class and below the poverty line face a lot of monetary problems as the treatment is usually unaffordable at most private hospitals. To curb the problems of the people at times of a global pandemic, insurance providers have rolled out COVID-19 health insurance policies

How To Find The Right Health Insurance Plan For Coronavirus?

About Coronavirus Health Insurance Policy 

COVID-19 health insurance covers are customized health insurance policies that cover the medical expenses of coronavirus patients. It is made available right from the day the insurers are diagnosed with coronavirus disease and is now available with almost all the insurance providers within the country. Also, since coronavirus is a recently spread disease it is not considered under the pre-existing diseases category. People suffering from coronavirus need immediate medical attention and they should be isolated as soon as possible to stop the spread of the virus. To help people from different sections of society, IRDAI has issued health insurance plans which are specifically meant to deal with coronavirus patients. These health insurance covers help you to save your savings from getting spent on medical expenditure. The COVID-19 specific health insurance covers are short-term and can be availed without a long waiting period. 

Considerations While Buying A Health Insurance Cover For Coronavirus Disease 

The coronavirus health insurance covers provided by various health insurance providers share common features but some insurers add extra benefits for the customers at an affordable price. Following is the list of things that should be looked into while buying a health insurance plan for COVID-19: 

1. Check The Sum Assured 

The sum assured under the COVID-19 health insurance cover differs from one insurer to the other. The adequacy of the sum assured under the plan is an important factor to keep a check on. Usually, these plans provide coverage of up to Rs. 2 Lakh. the amount should suffice your needs and save your savings at times of a medical emergency. 

2. Review Customer Services 

You must choose the insurance company which has a good record of customer service. The reviews provided online at various insurance-related websites can help you select the company that provides quality services to its customers. Also, a company with a high claim settlement ratio and fast claim settlement process is a suitable choice. 

3. COVID-19 Home Care Treatment 

Some insurance providers cover the medical expenses of coronavirus diseases incurred at homecare treatments. These expenses are incurred for the treatment of up to 14 days and are useful when there is a shortage of hospital beds. Also, people who are at less risk after getting diagnosed with coronavirus are advised to receive homecare treatment by doctors. 

4. Check The Rate of Premium 

You must choose a COVID-19 health insurance policy that charges an affordable amount of premium. There are health insurance plans which provide wide coverage at an affordable price, therefore you must choose by comparing enough plans. 

5. Online Purchase Process 

It is advisable to go for insurance providers which allow quick, smooth, and hassle-free online purchase of the COVID-19 health insurance cover. You must make sure that the insurer has a convenient claim settlement process and online purchase process for the policyholder. 

6. Waiting Period 

The waiting period of a COVID-19 health insurance cover is 30 days. However, some covers come with a lesser waiting period of 15 to 16 days. You can choose the plan according to your requirements and vulnerability to contracting the coronavirus disease. 


Considering the above-mentioned points, you can buy a suitable COVID-19  health insurance cover for yourself and your loved ones. You must read the fine print of the policy-related documents ensuring the inclusions and exclusions in your policy to avoid any confusion while making claims. 

Must Read: Coronavirus Disease Is Being Covered By Health Insurance Companies in India

How To Choose The Best Health Insurance for Coronavirus

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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