Coronavirus Health Insurance


What is Coronavirus Health Insurance?

The novel coronavirus disease (COVID-19) had jolted the world after the first human case was reported in December 2019, with the count of cases today at 85,929,428 worldwide (according to World Health Organization as on 7 January 2021). In India, the total confirmed cases are 10,413,417 as on 7 January 2021. A total of 10,037,398 persons in India have recovered, but for those battling the ailment, there is utmost necessity to get the best medical facility.

Scientists have found success in discovering an effective COVID-19 vaccine. However, until we get a vaccine shot, it is a precarious situation that calls for the strictest safety measures to protect our loved ones. In the present scenario of uncertainties and possible health risks, a health insurance plan works like a protective shield for your finances and secures your health in the best way.

A coronavirus health insurance plan is an insurance plan that provides coverage for COVID-19 treatment expenses. You can invest in health insurance with coronavirus cover that will also cover your various other hospital bills. The best corona insurance cover by ‘Care Health Insurance’ enables you to access timely medical care with coverage for hospitalization-based treatment for coronavirus disease. It includes coverage for day care treatment, quarantine, and also 68 non-payable items.

As you embrace the new normal, get a safety net for your family with a corona mediclaim insurance plan, covering a range of treatment costs, such as in-patient care, ambulance charges, ICU charges, etc., on a cashless or reimbursement basis. Also, it covers the treatment costs if you go for Ayush treatment instead of the modern treatment methods.

What is the Novel Coronavirus Disease or COVID-19?

The novel coronavirus disease or COVID-19 is a contagious respiratory disease caused due to a family of viruses. It’s transmission occurs from one person to another through droplets from sneezing, coughing, or talking. It results in acute respiratory illnesses, including pneumonia, impaired kidney and lung functions, and even multi-organ failure.

Importance of Coronavirus Insurance

With the outbreak of the Coronavirus disease or COVID-19, the world saw extraordinary events in 2020. It has made people stay confined in their houses and impacted business operations, thus affecting the world economy. Moreover, health experts say that people, especially those in the vulnerable category, are prone to the dangers and other complications due to the disease. In times like these, taking precautionary measures is the only way to a healthier future. Also, it involves preparing for any medical emergency and taking steps to protect your finances by investing in Corona mediclaim policy.

The outbreak of the pandemic has impacted economic activities. When there is a likelihood of financial problems, it is challenging to deal with a medical emergency without a safety cushion. Prior planning and the right investment will keep worries at bay. So, choose coronavirus health insurance in India and ensure the well-being of your loved ones. Opting for this policy is an easy process as you can select your policy and pay the premium online without having to step out of the house.

Can You Opt for Health Insurance Cover For Coronavirus?

COVID-19 has alarmed people and change the meaning of ‘normal’ with which we were familiar. Elderly family members at home, and those having a medical condition, in particular, need to take the best possible precautions as they face higher risks. Among other precautionary measures, choosing the best covid mediclaim plan should be on your priority list.

It is also essential to quell the fears and myths about the disease. We need to stay calm and follow hygienic habits to prevent an infection. Many people seek an answer to whether their health insurance plans would give them financial safety and coverage for treatment if they are diagnosed with coronavirus disease. Reading this article, to know more:

Is Coronavirus Covered Under My Existing Health Insurance policy?

A person who already has an existing health insurance policy will get coverage for coronavirus treatment, subject to policy T&C. However, those opting for a health policy after contracting the disease may not get immediate coverage as every policy has a waiting period.

Remember to know about the eligibility for getting coverage under a covid 19 health insurance policy. For this, read the policy documents carefully.

Read FAQS on Coronavirus

Important facts on Coronavirus Health Insurance Cover

A Covid mediclaim plan is the need of the hour, given that treatment can be expensive. It will safeguard you and ease the process of recovery without any financial burden. 

Those individuals who already have an existing health cover should be aware of the type of expenses their policy would cover, the benefits and sum insured they need, and much more.

Mentioned below are some essential facts to know:

  • Sum insured: COVID-19 is a dangerous disease. People whose immune system is weak and the elderly are at greater risk. The treatment mainly focuses on providing relief to the patients from symptoms they show and efforts to prevent organ damage. Having a Corona mediclaim policy with a high sum insured is recommended for anyone, especially when healthcare costs are expensive.
  • Waiting Period: Usually, medical insurance policies in India have a 30-day initial waiting period. That is, for getting cover for any treatment, except for emergencies like accidents, the policyholder must wait for 30 days.
  • Coverage: Health insurance plans with coronavirus cover (covid health insurance) provide coverage for a range of medical expenses, such as in-patient hospitalization, pre-hospitalization care - usually from 30 days prior to getting hospitalized, post-hospitalization care - generally for a period up to 60 days after discharge from hospital, ambulance, and ICU charges, etc.

Given the risk of this contagious disease, more than one member of the same family can be affected. It is a serious situation, and hence it hints at the need to invest in a plan that covers adequate coverage. Treatment for COVID-19 in India requires expensive medical care. The focus should be to prevent complications arising from this disease. Keeping the immune system healthy and following healthy practices like washing hands, wearing face masks is the need of the hour.

In addition to the precautions, having the support of a corona insurance plan is advisable. A coronavirus health insurance plan provides coverage for medical expenses due to various illnesses, including COVID-19. Getting affected by coronavirus is considered a medical emergency. During such unforeseen events, one can get cover for the treatment and make a claim on his/her corona health insurance in any of the two ways as discussed below:

  • Cashless treatment: Opt for cashless health insurance as you can get medical treatment in any of our network hospitals. It is beneficial as you are not required to make any payment; instead, we will settle the expenses directly with the hospital, subject to policy terms and conditions.
  • Reimbursement: You can file for the reimbursement of expenses in case you get treatment at a non-network hospital. In this case, you would have to bear the burden of paying hospital bills initially. You can later submit the necessary documents like medical reports and bills to get the expenses reimbursed under the Corona mediclaim insurance.

FAQs on Coronavirus Health Insurance

Which Products from Care Health Insurance (Formerly Religare Health Insurance) Cover Treatment Expenses for Coronavirus?

Our indemnity based health insurance products, namely Care, Care Freedom, Care for Senior Citizens, Care Global, Enhance, Care Heart, Joy, Care POS, and customized Group products with IPD benefit provide cover for hospitalization-based coronavirus treatment. Furthermore, travel insurance products by CHI - Explore and Student Explore also offer the same coverage.*

How Can I Buy Best Corona Health Insurance Plan Online?

You can avail best corona health insurance through online mode conveniently, which involves a few simple steps. Visit our official website, Care Health Insurance, choose the health plan, and pay the premium digitally.

Does Corona Insurance cover Home Care, Cashless & Reimbursement facilities?

Both the cashless facility and reimbursement claim facility are applicable for corona insurance. The cashless medical treatment facility is only available at a network hospital empaneled with us. Homecare or related expenses will not be covered under the in-patient care benefit in the policy.

What does a Coronavirus Health Insurance Plan Insure?

The corona policy in India offers coverage for hospitalization based expenses due to treatment for coronavirus disease. Coronavirus insurance provides coverage for in-patient care, ICU Charges, and many more.

Will My Health Insurance Plan Cover the Medical Expenses Related to Coronavirus?

As per the IRDAI guidelines, those health insurance policies that offer hospitalization cover will also provide cover for medical expenses related to coronavirus. The expenses will be settled based on the policy terms and conditions.

Does an Existing Health Insurance Policy Cover COVID-19?

Yes. Coronavirus may be a new pandemic disease. However, all existing health insurance policies will cover coronavirus health cover. It means if you have purchased health insurance before getting positive, any hospitalization expenses related to coronavirus or COVID-19 will be covered subject to all the policy terms and conditions.

Certain policies, offered by CHI, namely Critical Mediclaim, Cancer Mediclaim, Assure, Secure, Heart Mediclaim, Super Mediclaim, and Operation Mediclaim, do not provide coronavirus insurance cover.

What are the Expenses Not Covered by a Coronavirus Health Insurance Plan?

Corona insurance policy will not provide coverage if the insured is under self-quarantine at home or if the person has undergone quarantine at any non-recognized facility (for treating coronavirus case). Moreover, we recommend that you check the terms and conditions of your insurance policy to know about the exclusions, which are cases or expenses for which you cannot file a coronavirus insurance claim.

Is There a Waiting Period for Coronavirus Health Insurance (Covid Health Insurance)?

A policyholder cannot get coverage under a corona insurance policy for treatment availed during the waiting period of the policy if the treatment cover is excluded within the waiting period.

How Does the Coronavirus Spread and What can I do to Protect Myself?

The novel coronavirus is known to spread through the droplets an infected person expels when coughing or sneezing or when one is in direct contact with that person or touches infected surfaces.

You can protect yourself if you regularly follow basic hygiene, such as:

  • Frequently washing hands with soap and water or cleaning them with an alcohol-based hand sanitizer
  • Washing hands carefully for 20 seconds at least
  • Avoiding the need to touch eyes, nose, or mouth and without sanitizing the hands
  • Maintaining a distance of at least one meter from others
  • Covering a cough or sneeze properly with tissues or bend of the elbow
  • Having healthy foods to boost your immune system
  • Avoiding unnecessary travelling or any social gathering

Who is More Prone to Coronavirus?

Senior citizens and those having a weakened immune system and pre-existing medical conditions, such as cardiovascular disease, hypertension, diabetes, chronic respiratory ailments, asthma, or cancer, are prone to the risks of COVID-19.

Will I get access to Better Medical Care under Health Insurance with Coronavirus Cover?

Health insurance with coronavirus cover provides complete coverage for various medical expenses arising from coronavirus treatment. The coverage individuals avail will keep them worry-free about getting quality medical care at any healthcare facility in India.

Stay safe and opt for a Corona policy today. Opt for Care – comprehensive health insurance plans for family by Care Health Insurance that provides comprehensive coverage at the best premium.

You can customize the corona mediclaim insurance policy as per your requirements so that you and your family get adequate protection in the light of the health risks caused by the novel coronavirus.

All About COVID-19 

What is COVID-19 Coronavirus?

Coronavirus is a group of viruses causing acute respiratory illnesses due to infection in the nose, sinuses, or upper throat. It spreads through the air droplets when an infected person talks, coughs, or sneezes. It also spreads when one has direct contact or touches the infected surfaces.

How is Coronavirus Transmitted?

COVID-19 is likely to transmit from an individual having an infection already. The disease is transmitted from a person to another through respiratory droplets released from the mouth or nose during coughing, sneezing, talking, and exhaling. These droplets land on surfaces and can stay active for a few hours. People can catch infections if they touch surfaces and touch their eyes, nose, or mouth.

Coronavirus Symptoms - Mild, Moderate, and Severe

Mild symptoms of coronavirus disease are sore throat, dry cough, sneezing, and fever. A person with moderate symptoms may have high fever and chills, headache, body ache, shortness of breath, and dizziness. In severe cases, the symptoms may include pneumonia, bronchitis, pressure in the chest, gastrointestinal issues, and impaired kidney and lung functions.

>> Also Read: All About Coronavirus Symptoms – Who and How Should be Tested?

Coronavirus Isolation - How Self-Care Helps?

As the infection spreads if a person comes in contact with a person infected by the virus, minimizing contact is the best way to prevent the risk. Therefore, self-isolation and following social distancing norms are crucial because the chances of infection from the virus significantly reduce.

>> Read: How Exercise, Yoga, and Self-Care Helps During Coronavirus Isolation?

What are the Risks that Senior Citizens and Heart Patients Face due to COVID-19?

Senior citizens are known to have higher risks of catching infections and complications due to a weaker immune system and the possibility of a pre-existing condition. Likewise, people who have any pre-existing health issues, such as asthma or cardiovascular disease, have an increased risk of complications caused by this disease. Therefore, these vulnerable groups must be safeguarded, and they must take suitable measures to avoid contact with infected persons.

>>Check: Are You in the Age Group with Higher Risk of Coronavirus Infection?

COVID-19 Symptoms in Children

The symptoms of COVID-19 may be different in children as compared to adults. Children are less likely to show signs like coughing. Some studies have shown that children show other symptoms like fever, rashes, diarrhea, vomiting, etc. 

There are challenges in life, and ailments are one among them. Hence, having a mediclaim policy that covers your hospital bills will keep you financially safe in uncertain times. Considering the risks of the coronavirus disease, one should invest in the best Corona Mediclaim Policy.

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Subject to policy and underwriting terms & conditions