What does Covid-19 Health Insurance Policy Cover?

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Concierge Medicine

With the emergence of the novel coronavirus, health insurance policies have been adapting to cover the costs associated with the pandemic. It is more important than ever to make sure you understand what your health insurance policy covers when it comes to COVID-19.

Health insurance policies are becoming important tools to protect our health and financial security. As the pandemic continues, more and more individuals are taking the time to review their health insurance policies and make sure they are adequately covered. It is important to check with your insurance provider to see exactly what your policy covers. 

Who is Eligible for the Covid-19 Health Insurance Policy?

Eligibility for the Covid-19 Health Insurance Policy, also known as the Corona Kavach policy, is open to any individual between the ages of 18 and 65 years. Individuals can purchase the policy for themselves, their spouse, their children and their parents.

What Does the Covid-19 Health Insurance Policy Cover?

The Covid-19 health insurance policy provides coverage for medical expenses incurred due to the virus. It covers the cost of hospitalisation, medical tests, treatments, medications and other related costs. It also covers the cost of ambulatory services, contact tracing, quarantine and isolation, and other preventive measures. It also covers the cost of a swab covid test. Listed below are some of the policy’s features:

Duration

The policy is available for a period of 3.5 months to 9.5 months. 

Coverage Amount

The sum insured for Corona Kavach policy ranges from a minimum of ₹50,000 to a maximum of ₹5 lakhs, depending on the best individual health insurance needs and requirements.

Pre and Post hospitalisation

The policy covers pre-hospitalisation expenses such as diagnostic tests, doctor’s visits, medicines, etc. for up to 15 days prior to hospitalisation. It also covers post-hospitalisation expenses such as doctor’s visits, medicines, etc. for up to 60 days post discharge from the hospital. 

Home Care Treatment

In case of home care treatment for COVID-19, the Corona Kavach policy covers expenses such as nursing care, medicines, oxygen expenses, and diagnostic tests up to the sum insured. The policy also covers the cost of ambulance services up to ₹2,000.

What are the Benefits of the Covid-19 Health Insurance Policy?

The Covid-19 health insurance policy provides financial protection against the costs associated with the virus. It covers the cost of hospitalisation, medical tests, treatments, medications and other related costs. Additionally, it covers the cost of the Covid-19 test, which is available to all those who are eligible for the policy. 

  1. Financial Protection

Corona Kavach policy helps to provide financial protection to individuals against medical expenses incurred during the treatment of COVID-19.

  1. Flexible Plans

It provides flexible plans with various sum insured options such as ₹50,000, ₹1 lakh, ₹2 lakhs and ₹3 lakhs. It can also be customised according to individual needs.

  1. Cashless Treatment

The policy provides cashless treatment in network hospitals and the policyholder does not need to pay for the treatment from his/her pocket.

  1. Affordable Premium

The premium for Corona Kavach policy is very affordable and the policyholder can choose the premium amount according to his/her budget and requirement.

  1. Tax Benefits

 The premium paid for Corona Kavach policy is eligible for tax benefits under section 80D of the Income Tax Act, 1961.

What is a Free Covid Test?

A free Covid test is a diagnostic test used to detect the presence of the virus in individuals. It is a swab test, which involves taking a swab sample from the nose or throat of an individual and testing it for the virus. The test is available for free to those who are eligible for the Covid-19 health insurance policy.

How Does the Free Covid Test Work?

The swab Covid-19 test is a quick and easy way to detect the presence of the virus. The swab sample is collected from the nose or throat of an individual and sent to a laboratory for analysis. The results are usually available within a few days. If the test is positive, the individual will need to seek medical treatment as soon as possible.

The Covid-19 Health Insurance Policy provides essential protection and financial security to individuals against medical expenses incurred during the treatment of COVID-19. This policy is extremely beneficial as it covers various costs associated with the virus. Niva Bupa provides some of the best Covid-19 health insurance policies in the market with various sum insured options, cashless treatment in network hospitals and a wide range of additional benefits.