Normal health insurance plans might not be helpful when it comes to the newly emerged viral disease called coronavirus. Covid-19 health insurance plans are some plans that can help you with the expenses involved in the treatment of covid-19. The policy will be in effect from the day the policyholder is diagnosed with the disease and also covers the newly found omicron variant.
Benefits of Covid-19 Insurance Plans
Below are the benefits of health insurance plans that help you overcome this new virus by assisting financially.
● CoronaVirus Treatment
All the expenses of the coronavirus treatment are covered by the policy with zero additional payment from your pocket.
● Home Treatment
If the insured is positive for covid-19 and due to any medical emergency if the doctor recommends home treatment then the policy will cover the expenses.
● Consumable Expenses
The policy covers the expenses involved in buying PPE kits, masks, medical treatment prescribed by the doctor and equipment like an oximeter, an oxygen cylinder, etc.
● Cashless Treatment
Most insurance companies provide cashless treatment for a quick settlement. The availability of cashless treatments makes the bill payment process easier and hassle-free.
Top 3 Health Insurance Plans Against Covid-19
When you take health insurance that also provides a cover for the coronavirus you choose financial safety and health for both you and your family. Below are the three best health insurance plans by IRDAI against covid-19.
1. Corona Kavach Policy
Corona Kavach is a short term policy that is offered by every insurance institute and was initiated by IRDAI. The policy will come into action from the day you are positive for covid-19 and can be 3.5, 6.5 or 9.5 months long. The waiting period of the policy is 15 days and it covers all the expenses right from pre-hospitalisation to post-hospitalisation or home treatment. The charges of ICU, ventilator, oxygen tank and medical staff fees are also included in the cover.
2. Corona Rakshak Policy
Corona Rakshak Policy is also a short term policy offered by the insurance companies under the guidelines of IRDAI. The policy offers 100% benefit if the insurer is diagnosed as coronavirus positive. The insurance can be purchased by paying normal premiums. The only condition to avail of this policy is that the diagnosis of the viral disease must be done in a government recognised centre.
3. Aarogya Sanjeevani Policy
Health insurance plans for covid-19 also includes the Aarogya Sanjeevani policy which can be taken by people aged anywhere between 18-65 years. The standard health insurance policy is beneficial for both insurer and his family as it has a wide coverage. The insured amount can be 1 lakh to 5 lakhs. The policy furthermore covers plastic surgery, ambulance charges, dental treatment, cataract surgery, hospitalisation charges, post hospitalisation charges and much more.
Conclusion
All these three health insurance policies can help you amidst covid-19. The first two Corona Rakshak and Corona Kavach policies are specially made by following the guidelines by IRDAI for covid-19 victims. Both of these policies are short term and are corona centric. Whereas the aarogya sanjeevani policy covers a wide range of diseases and can be taken by individuals searching for a wide coverage at an affordable price. Choose from the best health insurance plans as per your needs and keep yourself and your family safe.
You can also contact an insurance agent or customer care service for more details on health insurance plans.