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Is Omicron Covered Under Medical Insurance?

Published On May 17, 2022 10:00 AM By InsuranceDekho

The IRDAI recently announced that health insurance policies that provide coverage for COVID-19 will also cover expenses for Omicron. This, in turn, gives ways to manage medical costs after getting admitted into a network hospital, as your existing plan will offer health insurance for omicron treatment. When choosing a health insurance plan in the markets, it is wise to make a detailed study about insurance companies from different sources. The network hospitals will offer cashless treatment to policyholders when they want to save more money. Furthermore, health insurance plans for Omicron will make it feasible to receive the best treatment for Omicron in a hospital without any financial constraints.

Is Omicron Covered Under Medical Insurance?

What is Coronavirus Health Insurance Policy?

The COVID-19 insurance plans cover all the expenses incurred on the treatment enabling a policyholder to manage his/her financial burden significantly. It provides coverage for the hospitalization after testing positive in a government-approved diagnostic center.

Understanding the 6 Features of COVID-19 Insurance Plans

1. AYUSH Treatment 

AYUSH treatment is a new feature included in COVID insurance policies allowing a policyholder to choose a procedure other than allopathy. A person can pick Ayurveda, Unani, Siddha, and Homeopathy treatment under this feature for COVID-19 symptoms.

2. Hospitalization Costs 

The COVID insurance policies provide hospitalization costs for policyholders after getting admission into a hospital. Some of them include room rent, boarding costs, nursing charges, ventilator expenses, surgical appliances, medicines, drugs, etc.

3. Domiciliary Treatment Costs

The policy offers coverage for domiciliary treatment costs under the supervision of a doctor for a maximum of 14 days. It is ideal for those who are not able to get treatment in a hospital due to the non-availability of rooms and other factors.

4. Consumables 

The costs of consumables are very expensive and a health insurance cover for omicron offers coverage for them. Some of them include PPE kits, oxygen, gloves, masks, and other things. Apart from that, the plan provides coverage for reducing costs significantly to ensure peace of mind.

5. Ambulance Coverage

COVID-19 patients need immediate hospitalization and one should arrange an ambulance for this purpose. Having the best health plans for omicron will help get coverage for ambulance expenses during emergencies.

6. Coverage for Comorbid Conditions 

A COVID-19 health insurance plan provides coverage for other pre-existing illnesses along with coronavirus treatment. It allows a policyholder to claim the amount for the comorbid conditions that will help restore them to a large extent.

What is not covered in COVID-19 Insurance Plan?

Now, have a look at what all barred under health insurance for COVID-19:

  • The plan doesn’t offer coverage for less than 24-hour hospitalization costs and some plans require 72-hours hospitalization
  • It is not possible to claim amounts during the waiting period
  • Those who undergo treatments outside India are not eligible to apply for this plan
  • A policyholder doesn’t get coverage for unprescribed medicines after buying a policy
  • The policy won’t compensate a policy if he/she has traveled to any of the countries restricted by the government
  • Policyholders don’t get coverage for other medical treatments not mentioned in the policy document 


Buying health insurance policies for omicron allows a person to overcome medical costs during emergencies. At the same time, they need proper research that will help claim the amounts as soon as possible. This, in turn, provides ways to move further when it comes to coverage and other claims. A COVID-19 health insurance plan makes feasible methods to gain more advantages when it comes to hospital treatments. Besides that, it allows an insured person to safeguard his/her family from potential threats. Not all insurance companies offer COVID-19 plans for consumers and they should compare them online that will help invest money based on their choices.

Also read- Health Precaution Tips For Summers

Difference Between Top-Up And Super-Top Up Health Plans


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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