Get Your Coronavirus Health Insurance with InstaCover
What is Coronavirus Health Insurance?
Coronavirus, or COVID-19 Health Insurance is an insurance policy that is offered to individuals to cover up for any expenses caused during the treatment due to COVID-19 sickness.
From covering the prices of diagnosis to hospitalization. In today’s date, most of the health insurance policies cover for pre and post hospitalization due to COVID-19, especially if its a comprehensive one.
However, due to the nature of disease being new, a specific plan has been launched to offers specific coverage caused due to damages from this disease especially at the time of critical illness.
The Various Types of Coronavirus Health Insurance Plans Available in India
Corona Kavach Policy
This is a standard coronavirus health insurance policy that covers for hospitalization, home care expenses including that incurred for medical equipment such as gloves, masks, PPE Kits, etc. It covers up with sum insured upto Rs. 5,00,000.
Corona Rakshak Policy
Corona Rakshak Policy is another COVID-19 policy that works as per the IRDAI guidelines to offer cover for treatment expense incurred due to COVID-19. It provides sum assured of up to Rs. 5 Lakh, and also provides cover for hospitalization if it exceeds the limitation of 72 hours.
Coronavirus Group Health Insurance
Variety of group health insurance policies nowadays offer cover for COVID-19 as well, so its best recommended to review your group health insurance plan to check it offers Corona Rakshak or Corona Kavach Policy.- Corona Kavach Policy
- This is a standard coronavirus health insurance policy that covers for hospitalization, home care expenses including that incurred for medical equipment such as gloves, masks, PPE kits, etc. It covers up with sum insured up to Rs.5,00,000.
- Corona Rakshak Policy
- Corona Rakshak Policy is another COVID-19 policy that works as per the IRDAI guidelines to offer cover for treatment expense incurred due to COVID-19. It provides sum assured of up to Rs. 5 Lakh, and also provides cover for hospitalization if it exceeds the limitation of 72 hours.
- Coronavirus Group Health Insurance
- Variety of group health insurance policies nowadays offer cover for COVID-19 as well, so its best recommended to review your group health insurance plan to check it offers Corona Rakshak or Corona Kavach Policy.
Looking for your COVID-19 Health Insurance Plan?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a COVID-19 Health Insurance Plan, you need to look no further!
Call us now and we will do the best we can to help you out with your Health Insurance Needs.
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+91-9995551863
How to Claim Health Insurance for Coronavirus (COVID-19)?
- You can claim your Coronavirus Health Insurance in the following two ways:
Cashless
Get cashless treatment facility if offered by your insurance provider where you won't have to pay any bills, rather the expenses will be covered by the insurance provider company, and you get treated cashless! However, most insurance providers offer this under their network hospitals only, so make sure to review this information once going through your policy.
Reimbursement
Get claims in the form of reimbursement for the bills and expenses incurred during the treatment of COVID-19. Reimbursement claims get settled post your treatment, so you have to process the financial bearings at the time of treatment, however, depending on the cover and sum insured, you get maximum coverage from your insurance. This case is also applicable if you are getting treated in a hospital or facility that does not fall under the network of hospitals of that particular insurance provider.
Coronavirus Health Insurance Inclusions
- The following things are included as a part of your Coronavirus Health Insurance Plan:
| Important Covers | Standard Covers | Add-on Covers |
|---|---|---|
|
1. In-patient hospitalization expenses |
1. Road Ambulance Expenses |
1. Maternity Benefit with newborn baby cover |
|
2. Pre-Hospitalization Expenses |
2. ICU Room Rent |
|
|
3. Critical Illness hospitalization |
3. Organ Donor Expenses |
|
|
4. Accidental Hospitalization |
4. Daily Hospital Cash |
|
|
5. Daycare Procedures |
5. Home Hospitalization |
|
|
|
6. Post-Hospitalization Expenses |
|
|
|
7. Alternate Treatment |
|
|
|
8. Recovery Benefit |
|
Coronavirus Health Insurance Exclusions
- The following things are excluded from a coronavirus health insurance plan:
- Quarantine at Home:
- Cover in case of expenses incurred during home quarantine are not covered.
- Getting Treated in a Non-Recognized Covid Quarantine Centre:
- No covers offered in case if you get quarantined in a medical center that is not recognized officially by the government and/or your insurance provider company.
- No Covers Offered if Hospitalized due to Pre-Existing Disease:
- No covers offered for any expenses incurred if you get hospitalized against or without the advice of your doctor.
- Pre-Natal & Post-Natal Expenses:
- Any pre-natal or post-natal expense not leading to hospitalization is not covered by your health insurance policy.
- Getting Hospitalized without the recommendation of the doctor:
- No covers offered for any expenses incurred if you get hospitalized against or without the advice of your doctor.
Key Benefits of Coronavirus (COVID-19) Health Insurance
Here are some of the key benefits of owning a COVID-19 health insurance:
| Coronavirus Treatment | Covered with Zero Additional Cost |
|---|---|
|
Home Treatment |
Covered if suggested by a doctor |
|
Consumable Expenses |
Cost of PPE kits, ventilators, masks, gloves |
|
Co-Payment |
No Age-Based Co-Payment for most plans |
|
Cashless Treatment |
Available |
|
Add-On Covers |
Available |
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FAQs Related to COVID-19 Health Insurance Policies
Yes, individuals who already own an existing health insurance policy will get proper treatment covers for any expense caused due to COVID-19 health disease.
Yes, the variants of COVID-19 including Omnicron is also covered under health insurance policies as well as COVID-19 health insurance plans.
Yes, almost all of the coronavirus health insurance policies cover for expenses incurred during home care, however, it requires doctor’s recommendation for that so make sure you have one before making the claim.
Looking for your Coronavirus Health Insurance?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a good Coronavirus Health Insurance, you need to look no further!
Call us now and we will do the best we can to help you out with your Health Insurance needs
