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Will Health Insurance Policies Cover Omicron Variant?

Published On Feb 01, 2022

The increasing increase of COVID-19 infections in South Africa had sparked global alarm. The significant increase in instances is thought to be due to a novel coronavirus variety called Omicron. This casts doubt on COVID-19 vaccinations' effectiveness against the novel omicron strain. Whereas the omicron virus has spread to over 150 nations, the globe is still working to limit the spread of this potentially extremely contagious coronavirus strain.

Coronaviruses have discovered new ways to infect both neighbouring and host species. Although there is currently insufficient knowledge on Omicron to establish precise predictions about its unique nature, we do understand enough about this to grasp its enormous implications. Omicron is delivering a strong message to the rest of the globe, demonstrating that this virus is adept of far more alterations and diversity than what most people realise. To find out and know more about omicron virus coverage under health insurance, read on.

Will Health Insurance Policies Cover Omicron Variant?

What Is The Omicron Virus?

Because it includes more than twice as many mutations as the Delta variation, this severely altered COVID variant is thought to be more infectious. In fact, due to the novel omicron virus, COVID-19 cases in South Africa had grown by fourfold in the previous two weeks. The World Health Organisation (WHO) designated 'omicron' as a coronavirus variation of concern on November 26, 2021.

With the exception of scratchy throat and acute weariness, omicron symptoms are generally like the other coronavirus variations, regardless of the patient's age. Furthermore, persons who have been infected with the omicron virus just don't have a loss of taste or smell. Furthermore, while no significant decline in oxygen saturation levels has been documented, most omicron COVID positive persons had recovered without any need for hospitalisation.

Omicron Virus Coverage Under Health Insurance

The treatment costs associated with being diagnosed with the omicron variation of coronavirus are covered by health insurance for the omicron COVID variant. It refers to a coronavirus health insurance plan which pays for medical expenditures incurred during hospitalisation or home treatment if the insured is found to be infected with the omicron virus. Although omicron is a COVID variation, it is covered by all Indian health insurance policies in the same way as coronavirus is.

Once the first waiting time is finished, a health insurance policy again for omicron variety gives extensive coverage to the insured. Also, because coronavirus would not be a pre-existing sickness, it will pay the expense of therapy for the omicron virus right away.

Does Our Existing Health Insurance Policy Cover Omicron Virus Under It?

Yes. Because the omicron virus is a variation of coronavirus and not a novel illness, many existing health insurance policies in India would cover the costs of treatment. Considering COVID-19 is an infectious condition, the Insurance Regulatory and Development Authority of India (IRDAI) has directed that all existing health insurance policies must cover it, regardless of its variety. As a result, all COVID-19-covered insurance will automatically pay the omicron variant's treatment costs.

If a person has health insurance before being tested with the omicron virus, the insurer will cover all of his or her treatment costs. On the other hand, if a person does not have health insurance and buys one after testing positive for the omicron variety, his or her coverage will not cover the cost of treatment.

Furthermore, existing health insurance policies do not impose any additional waiting periods for reimbursement of omicron treatment expenditures. However, if an individual is treated with the omicron variety of coronavirus during their health insurance plan's first waiting period, their medical expenditures for treatment will not be reimbursed.


Our first and greatest line of defence always was and always will always be public health, which involves direction and a mindset of awareness and tolerance of severe actions when the situation demands it. A fundamental necessity is extensive testing at home and in all public places such as schools, businesses, and large public events, which must be followed by substantial interaction tracing and notification of those who have been exposed.

Do read - How To Make Health Insurance Policies Omicron Ready?

Corona Kavach Policy - What Is It?

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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