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Is Omicron COVID Cases Covered Under Health Insurance?

Published On Dec 07, 2021

A health insurance policy is a must to protect yourself from financial burden and also to access the best healthcare facilities. With the coronavirus pandemic still raging on and the emergence of new variants, it has become even more important to have a health insurance policy. The Omicron, which is the newest variant that has been detected, has led to a rise in concern regarding a new wave of infection.

What is the Omicron?

The Omicron variant is the latest variant of the coronavirus. It was first detected in South Africa only a few days ago. It has now been found that it might have originated from Europe. Although there have been no cases of death from the variant yet, scientists are keeping a close eye on it to keep it from becoming more severe. Over 30 countries have already reported cases of COVID patients who have been detected with the Omicron strain. In India, the current count stands at over 20 patients who have been found to be in 5 different states. However, tracking and tracing are of the utmost importance because this variant is primarily being found in people who have just returned from abroad or people who have been in contact with such people. Getting vaccinated and maintaining COVID safety protocols remains just as important because they are one of the biggest deterrents to the further spread of the virus.

Are Omicron COVID Cases Covered Under Health Insurance?

The Omicron variant is also making people take note of their existing health insurance policies, to stay protected, should they be affected. Of the health insurance policies that do cover COVID-19, most of them also cover its variants under the same category. Those health insurance policies which are specially designed to provide for COVID patients, also cover any new variants, including Omicron. This is primarily because new variants or not, they are all part of the same disease. 

Although a singular and comprehensive cover in your health insurance can take care of your insurance needs on having COVID, there are several other covers that can help you, just in case. The following are some of the most crucial ones.

1. Ambulance Cover

COVID can deteriorate the condition of the affected very fast. This is why it is important that they be hospitalized as soon as possible, especially if they are having breathing problems. With an ambulance cover, the insured can readily avail of an ambulance, without having to think of the immediate financial costs from it. 

2. Stay-at-Home Treatment Costs

In many cases, the COVID affected patient might not have to go to the hospital. However, they still need to be monitored for regular developments, and treated while they isolate themselves at their home. This type of cover can come in very handy at times like that. It will ensure that the quality of treatment that the patient receives is not compromised at any cost. 


A health insurance policy, therefore, is the foremost thing that anyone should invest in. Come what may, like the coronavirus pandemic which was unprecedented and devastating, a robust health insurance policy is always helpful. Moreover, insurance providers always take the proper measures to design the insurance policy in the way that is most pertinent to the current situation. Therefore, one must be aware of all the facilities, benefits and covers available to make the most of them. 

Must Read: How To Check Health Insurance Claim Status?

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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