Health Insurance with Coronavirus Coverage

  • Annual Health Checkup
  • In Patient Hospitalization
  • Auto Recharge of Policy Sum Insured
  • Avail Discount upto 20%*
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    About Coronavirus Health Insurance

    Unusual things have happened in a matter of a few months since the outbreak of the coronavirus disease. Millions of people worldwide have been affected by this contagious disease caused by a group of viruses. The number of cases in India has crossed 4 Lakh, and our health workers are leading the fight from the front. The disease causes severe respiratory illnesses like pneumonia, with mild symptoms at the start. Clearly, we all are living through the toughest times amidst this pandemic. Health has become the foremost priority for all of us, and this is why it needs to be secured. It is wise to buy a health insurance policy covering coronavirus, which will keep you financially protected at a time when you need the best support for your family’s security. As mandated by the Insurance Regulatory and Development Authority of India (IRDAI), health insurance buyers can now get specific coverage for the treatment of coronavirus disease. Care Health Insurance (formerly Religare Health Insurance) offers customized health policies with coverage for COVID 19. However, it has to be noted coverage will be available in specific health policies for existing policyholders and those who are opting for health policy before contracting the disease. In times of job uncertainty, high medical expenses, and increased health risks, a sensible approach is to secure oneself financially. Amidst the fears of possible hazards, having a health cover will keep you stress-free.

    Explore our Health Insurance Plans with COVID 19 Insurance Coverage

    Care Health Insurance (formerly Religare Health Insurance) helps you avail the best coverage for various medical expenses resulting from the treatment of coronavirus disease. The following are indemnity based health plans that offer cover Coronavirus treatment expenses:


    Look for best health plan that suits your need!

    Health Insurance for Family

    Comprehensive Health Insurance for Individual & Family

    Pre-Existing Diseases Cover

    Health Insurance for Diabetes, High BMI and Hypertension

    Health Insurance for Senior Citizens

    Your Parents have always care for you, Now its your TURN

    Maternity Health Plan

    Maternity Insurance Plan with Newborn Baby Cover

    Heart Health Insurance

    Health Insurance that Covers Pre-existing Heart Ailments

    If you are looking for Health Insurance with only Coronavirus coverage only we have Corona Kavach to assist you

    Read FAQS on Coronavirus

    Features of Health Insurance Covering COVID-19

    Our Customized health plans cover hospitalization expenses for coronavirus subject to terms and conditions of the policy. Everything from pre-hospitalization expenses to post-hospitalization expenses gets covered within our health plans. We also cover quarantine related medical expenses on the advice of a registered medical practitioner and at a registered facility. Health policies with Coronavirus insurance cover are beneficial as it covers medical expenses related to covid 19 and other medical emergencies: Some of the significant features of the policy include: -

    In-patient Hospitalisation: The corona insurance policy will cover expenses up to the sum insured for hospitalization exceeding 24 hours.

    Pre-Hospitalization: Under this feature, the medical expenses incurred by the policyholder, from 30 days prior to getting hospitalized, will be covered in the policy.

    Post-Hospitalization: The plan will cover medical expenses incurred by the policyholder, for a period of 60 days after discharge from the hospital.

    Other Features: Under this plan you will get additional features such as cashless treatment, annual health checkup, lifelong renewability, tax benefit and many more

    Also, there are some beneficial features, such as:

    Cashless Treatment: You can avail of quality medical care at any of the 7800+ network hospitals located countrywide. Using a health card, you can avail cashless treatment without paying the bills from your pocket. The expenses will be settled directly with the hospital, subject to policy terms and conditions.

    Online Facility: Given the current restrictions on movement, purchasing a health insurance plan online is highly convenient. You can buy COVID insurance online by visiting the official website of RHI and can purchase a policy with only a few clicks.

    Eligibility Criteria

    When opting for mediclaim with corona coverage, you should read the policy documents carefully to understand the eligibility criteria, including minimum entry age for adults and children.

    Coronavirus insurance for family: ‘Care’ by Care Health Insurance is a comprehensive family health policy that offers coverage of coronavirus for you and your family.

    The eligibility criteria for this plan are given below:

    Minimum Entry Age: 5 years for Individual Cover 91 days with at least 1 insured person of age 18 years or above in Floater

    Maximum Entry Age: Lifelong

    Exit Age: Lifelong

    Age of Proposer: 18 years or above for eligibility criteria for other policies offering health insurance with coronavirus coverage, you are requested to read the policy terms and conditions.

    The admissibility of the claim will be based on current management protocols treatment, evaluation, and quarantine of a confirmed or suspected case on certification of a qualified medical specialist for the treatment extended at a center recognized to offer the treatment.

    Why do we need Health Insurance?

    Health Insurance is a shield that protects you and your loved ones in cases of medical emergencies.

    A right health insurance plan makes sure that financial crisis is not an issue during a medical emergency.

    With the skyrocketing cost of healthcare in the country, opting for a good health Insurance Plan is a smart decision for the safety of the individual and family as a whole.

    How Care Health Insurance Plans can help you


    Vast & growing hospital network for cashless claims

    4.7 Lacs +

    Count of claims services


    In-house settlement for better management


    Industry best claim settlement ratio


    Less grievance ratio per 10,000 claims

    What is covered under Health Insurance Policy?

    • Wide Range of Sum Insured up to 1 Crore
    • Annual Health Checkup for all insured members
    • Ayush Coverage
    • Covers Pandemic  such as Covid 19
    • Covers more than 540 day care treatments
    • Automatic recharge 
    • Ease of Cashless Treatment
    • Upto 150% increase in sum insured with NCB

    What is not covered under Health Insurance Policy?

    • Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of first policy
    • External Congenital Diseases
    • Cost of Spectacles/contact lenses or dental treatment
    • Expenses arises out to or attributable to alcohol or drug use/misuse/abuse
    • Any diseases contacted before initial waiting period of 30 days except those arising out of accident

    Do refer policy document for complete list


    Q. Is health insurance for the COVID-19 available in India?

    Yes, leading health insurers in India like Care Health Insurance offers coronavirus insurance cover.

    Q. How to prepare for coronavirus?

    For dealing with contagious diseases like coronavirus, it is essential to equip oneself with the right information about its prevention and cure. One should rely on the use of soap, hand sanitizer, and disinfectants to ensure better hygiene. Washing hands regularly and keeping surfaces clean is a priority to keep infection at bay. Moreover, make sure you wear face masks if you are stepping out of your house. Maintaining at least 6 feet distance is necessary as part of social distancing measures. It is also wise to buy mediclaim with COVID-19 coverage to minimize the burden of expensive medical treatment.

    Q. Does coronavirus insurance cover home Care, cashless & reimbursement facilities?

    Both cashless and reimbursement facilities are applicable for corona insurance. Cashless facility is available only at empaneled network hospitals. No, Homecare or related treatment expenses are not covered under in-patient hospitalization benefit.

    Q. What is insured in coronavirus health insurance plan?

    The coronavirus health insurance offers coverage for hospitalization based expenses due to treatment for the coronavirus diseases. Coronavirus insurance includes coverage for in-patient care, ICU Charges and quarantine period at a registered facility.

    Q. Will my health insurance policies cover medical expenses related to coronavirus?

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

    Q. What are the initial stage symptoms of coronavirus ?

    Coronavirus can cause mild symptoms to severe illness like pneumonia. The initial stage symptoms of coronavirus are dry cough, sneezing, and itchy throat. The infected person is also likely to have a fever, fatigue, headache, and breathing difficulty. It has been observed that few people are even asymptomatic, with no symptoms.

    Q. Are the symptoms of COVID-19 different in children than in adults?

    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.

    Q. How likely am I to catch COVID-19?

    The risk of getting an infection is high if one comes in contact with an infected person. Thus, wearing masks, avoiding crowded public places, maintaining social distancing, and washing hands regularly can reduce the risk of COVID-19.

    Q. Should I worry about COVID-19?

    As the COVID-19 is an infectious disease and can put the lives of elderly and sick people at high risk, it can be a cause of concern for many. However, if one follows the precautionary measures and adheres to the guidelines shared by the WHO, the risk of infection can be significantly minimized. It is highly essential to practice respiratory hygiene, wear masks when going out and wash hands regularly after touching surfaces.

    Q. Should I wear a mask to protect myself?

    Wearing a mask is highly recommended for everyone to safeguard oneself against infection from coronavirus. Mask is especially required if you are displaying symptoms like coughing. Wearing a mask is vital as the virus spreads from one person to another when an infected person coughs or sneezes.

    Q. Is COVID-19 the same as SARS?

    It has to be noted that both COVID-19 and SARS are diseases caused by a coronavirus. However, there is a difference between the two. The symptoms of the two illnesses are slightly different. Also, Covid-19 is known to spread faster as compared to SARS (Severe Acute Respiratory Syndrome). Furthermore, while the SARS outbreak in the year 2003, the transmission did not occur before symptoms developed. However, in the case of COVID, even asymptomatic people can be the carrier and transmit.

    Q. How long is the incubation period for COVID-19?

    The incubation period refers to the time between exposure to an infection and the appearance of the first symptoms. The incubation period for Covid-19 ranges from 2 days to 14 days.

    Q. How long does the virus survive on surfaces?

    The novel coronavirus is known to survive on surfaces for some hours up to a few days, depending on the type of surface material, temperature, etc. Experts say that it can stay on plastic, glass, ceramics, and metal surfaces for up to 5 days, i.e., 72 hours. The virus can also remain on paper, but the time varies from a few minutes to around five days. Hence, it is advised to ensure hygienic practices and frequently disinfect surfaces like doorknobs, lift buttons, etc.

    Q. Why did coronavirus call Novel?

    The novel coronavirus is a type of virus that had not been found before in human beings. Coronavirus is referred to as a novel coronavirus as a permanent name has not yet been given to it.