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 102,034,770 worldwide (according to Worldometer). In India, the total confirmed cases are 10,720,971 till now. A total of 10,394,352 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.
Care Health Insurance offered the most comprehensive health insurance with coronavirus cover. It is a policy that provides coverage for COVID-19 treatment expenses, including hospitalization, daycare treatments, quarantine, and also 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, AYUSH treatment, etc., on a cashless or reimbursement basis.
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 your loved ones' well-being. 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.
We understand that healthcare needs vary, so we offer customized health insurance policies. Below are some of our hand-picked medical insurance policies provide coronavirus coverage.
Health Insurance with Coronavirus Coverage
It is the most comprehensive health insurance policy for you and your family with COVID-19 cover. You can opt for it as an individual or family floater to ensure complete protection against Corona and other life-threatening diseases. Whether it is in-patient hospitalization, pre and post hospitalization, daycare treatments, domiciliary hospitalization, advanced treatments, AYUSH treatment, etc., it offers maximum coverage.
Corona Kavach Policy
It is the dedicated health insurance for coronavirus that you can get for yourself and your family. It covers hospitalization and medication costs for the COVID-19 treatment and gives comprehensive coverage so that you can recover faster without financial stress amid pandemic.
The treatment and medication costs for chronic diseases like diabetes, hypertension, etc., have become out of pocket expenses, and Corona made it more difficult. Therefore, we offer Care Freedom to solve our customers' healthcare problems. It is one of our unique insurance policies that provide coverage for diabetes and hypertension patients with coronavirus treatment cover.
Care for Senior Citizens
It's a difficult time for our senior citizens. To make their second innings healthy in this corona phase, we offer Care for Senior Citizens. It is a comprehensive health insurance policy with COVID cover for individuals above 61 years. From cashless hospitalization to AYUSH treatment, it gives complete coverage and helps senior citizens to live a healthy and peaceful life.
COVID-19 makes your heart beat faster. But, do not worry! We have Care Heart- a holistic heart care plan covering hospitalization expenses due to heart ailments with COVID coverage as an additional benefit. It covers 16 major heart ailments, and you can get it in easy EMIs.
JOY is a perfect blend of health insurance and protection that offers several thoughtfully designed features and benefits to women and her newborn with coronavirus coverage. With JOY Today and JOY Tomorrow, you can welcome your bundle of joy stress-free during the pandemic.
Super Top-UP Insurance
Our super top-up insurance Enhance acts like a Stepney to your existing health insurance if you exhaust the current sum insured. We consider the cumulative hospital expenses under this plan and cover multiple claims in a policy year. With COVID cover, it gives you a financial cushion to cope with those extra healthcare expenditures.
Our customized family health plans with coronavirus cover offer below significant benefits:
Cashless Treatment: Get cashless treatment at our 21,100+ cashless healthcare providers across the country. We will directly settle your bills for the treatment of COVID-19 to the hospital, subject to policy terms and conditions.
COVID Care: It is an add-on cover that includes the medical expenses incurred for treatment and/or quarantines for COVID-19 with a positive confirmation diagnosis from Government Authorized Centre.
CARE Shield: It comes with three-fold benefits Claim Shield/No Claim Bonus Shield/Inflation Shield.
In-patient Care: If you are admitted to a hospital for in-patient care for a minimum of 24 consecutive hours due to coronavirus, if advised by the medical practitioner, we cover your expenses.
Day Care Treatment: We will repay your Day Care Treatment expenses up to the sum insured for the period of treatment in the Hospital/Day Care Centre does not exceed 24 hours.
Sub-limits on Coverage for Quarantine: We will indemnify your treatment expenses incurred up to 1% Sum Insured per day maximum up to 30 days under the policy. Quarantine due to positive confirmative diagnosis of COVID-19 in government authorized centre is required.
Pre and Post Hospitalization Medical Expenses: We cover pre and post-hospitalization medical expenses for 30 days immediately before your admission date and for 60 days immediately after your date of discharge from the hospital.
OPD Cover: Now, OPD expenses won't give you financial stress. Out-Patient consultations, Diagnostic Examinations, and Pharmacy expenses, are covered up to the specified amount under OPD Care add-on, after a positive confirmative COVID-19 diagnosis.
Online Facility: You can opt for coronavirus health insurance in a few clicks while sitting in the comfort of your home.
Less Waiting Period: It is a sigh of relief. Our health insurance policies with COVID Cover has only 15 days waiting period right after the policy issuance.
Tax Benefits: Get tax exemption up to Rs 1,00,000 as per section 80D of the Income Tax Act. (It is applicable if both the proposer and insured are above 60 years.) and save more.
Listed below are the inclusions under coronavirus health insurance:
Understand the below exclusions of health insurance with COVID-19 cover:
It often becomes confusing to choose among the plethora of health insurance plans. Listed below are some really crucial factor that you should consider while selecting coronavirus health insurance:
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.
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:
Pandemic is a serious situation, and hence it hints at the need to opt for a plan that gives adequate coverage.
In addition to the precautions, having the support of a corona insurance plan is advisable. A coronavirus health insurance plan offers coverage for various illnesses, including COVID-19. Getting affected by COVID is considered a medical emergency. During such unforeseen events, one can file a hassle-free claim under our policy in any of the two ways:
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:
Senior citizens, children, pregnant women, and people who have weak immune systems or pre-existing diseases are more prone to get infected.
Yes, you will get access to better medical facilities under health insurance with coronavirus cover that reduces your financial burden and helps you recover faster.
The novel coronavirus disease or COVID-19 is a contagious respiratory disease caused due to a family of viruses. Its 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.
COVID-19 is likely to transmit from infected individual 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.
Mild coronavirus symptoms 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.
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.
Senior citizens and heart patients should be extra careful. They are at higher risk of catching infections, which can cause respiratory problems, choked breathing, heart attacks, lung infections, pneumonia, etc.
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.
>> Click Here to Know These 5 Things You Should Do if Tested Corona Positive
There are challenges in life, and ailments are one among them. Hence, having a mediclaim policy covering your hospital bills will keep you financially safe in uncertain times. Considering the coronavirus pandemic risks, one should invest in the best Corona Mediclaim Policy.
* Please read the policy T & C, brochure, and prospectus to know more about our health insurance plans cover as these may vary.
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