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Reasons Why You Should Have A Health Insurance Policy During Omicron Break Out

Published On Feb 04, 2022

The Coronavirus outbreak has been a challenging time for all of us. It has left me physically and emotionally exhausted. Our worry has grown as a result of the lack of a vaccine against the virus. The virus has changed our collective reality and lifestyles, with millions of people infected around the world and the number of those impacted continuously growing. However, for all those who are infected, hospitalisation is proven to be a costly proposition if it is necessary. This global epidemic, which has lasted more than six months, has somehow put an end to our lives, but has also crippled the economy, putting many of us in financial difficulty.
Even though the lockdowns have been removed and people are embracing the new reality with face masks and hand sanitizers, the proportion of those affected continues to rise. It is vital that we protect ourselves and our loved ones against this dreadful disease. Insurance companies understand the financial pain that this causes many people, therefore they created the Corona Health Insurance coverage to help us secure our finances. All hospitalisation and treatment expenditures linked with the fatal disease will be covered under the exclusive coverage. To know more reasons for having a health insurance policy during COVID-19 pandemic, read on.

Reasons Why You Should Have A Health Insurance Policy During Omicron Break Out

What is a Coronavirus Health Policy, and How Does It Work?

If and when individuals contract the virus, the Coronavirus Health Insurance is designed to cover all of their medical costs during their treatment and recovery. When the policyholder and members covered by the policy are diagnosed with the virus, the insurance policy pays them a considerable sum of money. This covers the whole cost of the policyholder's hospitalisation and recovery, as well as the policyholder's family members' expenses.
The insurance takes effect after a 16-day waiting time from the date of purchase. All members aged 3 months to 65 years old at the time of the policy's initiation are eligible for the insurance policy. The policyholder, however, must be at least 18 years old, and the policyholder's minor children must be under the age of 25. The coverage is now available for a year and does not require a pre-policy health assessment. The premiums you pay for the plans can also be subtracted from your taxes.

What Are the Advantages of Coronavirus Medical Insurance?

The insurance coverage pays out a considerable quantity of money when COVID-19 is diagnosed, with a daily cash award for every 24 hours of hospitalisation or quarantine completed. The insurance also covers the pandemic's repercussions, such as job loss, and offers sufficient coverage, with 50 percent of the base sum covered for up to three months. Up to the policy's individual insured amount limit, the insurance will cover not just policyholder, and also her or his closest and completely reliant family members, such as his or her spouse, up to two minor children, and parents.

What Are The Exclusions In Coronavirus Medical Insurance?

As previously indicated, any claims submitted during the waiting period, which is the first 16 days after coverage begins, are not covered by the insurer. If the policyholder is examined at an unregistered facility, is an OPD patient, or is properly diagnosed outside of India, the coverage would be worthless. Any member who has already tested positive for COVID-19 or has had a COVID-19 episode is also excluded from the insurance. Any claims made by persons who have been outside in the last three months are still not covered by the policy.


The Indian government has reduced the blockade due to the clear economic downturn. As citizens, it is our responsibility to take all necessary precautions to protect our health and wealth, beginning with appropriate cleanliness and only travelling when strictly essential, and, most crucially, getting Coronavirus Health Insurance to protect us if and when disaster strikes.

Also read- 10 Reasons Why You Should Purchase A Health Insurance In Your 20s

How To Check Your Health Insurance Claim Status Online?

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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