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Is It Possible To Purchase CoronaVirus-Specific Health Insurance?

Updated On Mar 26, 2022

Nothing is more vital in life than your own and your loved ones' health. Unforeseen events and diseases, on the other hand, may have a detrimental impact on your health. As a result, purchasing health insurance provides an additional layer of protection for your health. You may now buy an online health insurance plan to protect yourself financially from health-related problems thanks to technological advancements. Health insurance is defined simply as a strategy that ensures that any health-related risks or events do not exhaust your financial resources. As people's understanding of health and lifestyle-related disorders has improved, health insurance coverage in India has become increasingly broad and comprehensive.

Is It Possible To Purchase CoronaVirus-Specific Health Insurance?

What Is Coronavirus?

The Novel Coronavirus (COVID-19) is a type of virus that attacks a person's immune system and causes symptoms ranging from the ordinary cold to Severe Acute Respiratory Syndrome (SARS). In late December 2019, a new coronavirus strain was discovered in China that has never been seen before in humans. It was given the name COVID-19, which stands for new Coronavirus illness. Other COVID-19 variants, such as the delta and omicron forms, have since been found.
The coronavirus causes infection of the nose, upper neck, and sinuses. In extreme cases, the virus can cause significant respiratory infections such as pneumonia, renal failure, and multiple organ failure. As a result, persons over the age of 60 and those with pre-existing medical conditions have been the primary victims of the 2019-nCoV, or new coronavirus sickness. 
A sore throat, fever, dry cough, runny nose, and headache are all symptoms of a Coronavirus infection, which are similar to those of the flu. The novel omicron COVID type also causes excessive tiredness and a dry throat. Despite the fact that COVID-19 is a unique coronavirus strain, a number of vaccines have been developed, including Covishield, Covaxin, and Sputnik V, all of which are available in India.

Is There A Health Insurance Plan For Coronavirus?

Ordinary health insurance policies will cover all medical expenses incurred during COVID-19 treatment if you are looking for specialized health insurance coverage for coronavirus (COVID-19). These are two standard items that were recently introduced to meet IRDAI standards. Furthermore, the policy terms are the same for all health and general insurance companies in India. Coronavirus Health Insurance is a type of insurance that covers medical expenses incurred as a result of COVID-19 treatment. A coronavirus health insurance policy is designed to pay for the policyholder's inpatient expenses regardless of the ailment with which he has been diagnosed (unless it is a critical illness that is not covered).

 Inpatient costs for viral infection treatment are covered by almost all health insurance coverage. Because Coronavirus is a viral infection, all pre- and post-hospitalization expenses, including in-patient and out-patient expenses, for the treatment of COVID-19 and its variants, including omicron, are covered by a comprehensive health insurance plan. The day the insured is diagnosed with the illness, they will be able to get coronavirus health insurance. This is because COVID-19 is a unique disease that does not fall under the definition of a pre-existing condition.

Take Away

Following the coronavirus outbreak, many insurers included Covid-19 Health Insurance coverage in their standard policies. They also offer specific Covid-19 Insurance Policies, such as Corona Kavach and Corona Rakshak, which are popular in India and are indemnity and benefit-based plans. All hospitalization expenses, Ayush treatment expenses, and home treatment expenses, as well as the cost of consumable supplies, are covered under these two mediclaim insurance policies for coronavirus.

Also read- Is Coronavirus covered by my current health insurance policy?

If I am unable to pay my premium on time, how can I renew my health insurance policy?

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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