Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Why Is It Important To Have A Health Insurance Policy During Omicron Variant Outbreak?

Updated On Feb 23, 2022

Health insurance coverage is required to avoid financial hardship and to have access to great health centres. With the coronavirus epidemic currently raging and new strains emerging, having health insurance coverage has never been more crucial. The Omicron, and is the most recent form to be discovered, has sparked fears of a fresh wave of infection.
Covid-19 as well as its new variation Omicron have been on the rise in the United States at an alarming rate. Face masks, hand sanitizers, and social isolation aside, having health insurance coverage has never been more important. Health insurance coverage will guarantee that we are not financially stranded and that our medical bills are covered. To get to know more about the importance of having a health insurance policy during a pandemic, read on.

Why Is It Important To Have A Health Insurance Policy During Omicron Variant Outbreak?

Does Health Insurance Provide Coverage for Omicron COVID Cases?

People are also taking notice of their current health insurance coverage in order to ensure that they are insured if they are afflicted by the Omicron strain. The majority of health insurance programmes that cover COVID-19 also cover its variations under the same umbrella. Any new COVID variations, including Omicron, are covered by health insurance coverage tailored specifically for COVID sufferers. This is due to the fact that novel varieties or not, they all belong to the same illness.
Although a single, comprehensive coverage in your health insurance may fulfil your insurance needs if you have COVID, there are various different policies that can assist you in the event of an emergency.

Following are the listed things that health insurance provides coverage for omicron COVID cases-

Ambulance Cover - COVID has the ability to rapidly damage the health of those who are infected. This is why kids should be admitted to the hospital as soon as possible, particularly if they are suffering breathing difficulties. With ambulance coverage, the insured may quickly get an ambulance without worrying about the immediate financial obligations.

Stay-At-Home Treatment Expenses - The COVID-affected patient may not need to go to the hospital in many circumstances. Although individuals isolate themselves at home, they must still be watched for frequent developments and treated. This form of cover can be quite useful in such situations. It will make certain that the patient's treatment quality is not jeopardised in any way.

Following are the reasons a person should quickly get health insurance covering omicron COVID variant -

Healthcare Inflation - Inflation in the healthcare industry is another reason to get health insurance coverage as soon as possible. Healthcare inflation in India is far higher than retail inflation. In addition, healthcare prices are rising at an exponential rate. If you or a member of your family is hospitalised, it will burn a hole in your wallet and wipe out all of your personal funds in the blink of an eye.

You might not get health insurance later - Health insurance functions similarly to an emergency loan. Users won't be able to attain a loan if you've a bad credit score, and also won't be able to afford health insurance unless you've been diagnosed with an illness and need it. Even though insurers really aren't compelled to offer you protection. Even though they are for-profit companies, and if you're too risky for them all to insure, consumers may reject your application completely - or give individuals coverage with something like a lot of restrictions and expensive premiums.

Endnotes

As a result, the most important item that everybody should invest in is health insurance coverage. Whatever the case may be, such as the unusual and terrible coronavirus epidemic, having comprehensive health insurance coverage is always beneficial. Furthermore, insurance companies always take the necessary precautions to construct the insurance policy in the most appropriate method for the present scenario. To get the most out of the resources, perks, and coverages offered, one has to be conscious of them all.

Also read- 5 Things To Check Before Health Insurance Renewal

Short Term Or Long Term Health Insurance - Which Is Better For Me?

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 10 L
    Starting at 739/month*
    No room rent limit Unlimited restoration benefits50% no claim bonus4 Years PED Waiting period
    View All Features
  • Cover 5 L
    Starting at 447/month*
    No room rent limit 33% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,312/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 664/month*
    No room rent limit 20% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
    View All Features
  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 396/month*
    No room rent limit Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit
    View All Features
  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
Note: Premium is shown for 18yr old individual of Delhi
Show More
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 66 Lacs+ happy customers