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Does Your Existing Health Insurance Cover You for Covid-19?

Posted by Royal Sundaram on 19 Mar 2020

The coronavirus pandemic has left everyone wondering what resort to take or whom to ask. Since there is not much clarification on the outburst, people are in constant fear of the unknown. However, the medicare facilities and diligent administration have till now managed to control the spread to a great extent. After medicine, the next most affected sector is the health insurance sector that has been highlighted in the light of COVID-19. The most trending searches and tweets by people are on treatment for COVID-19, health insurance coronavirus, COVID-19 health insurance, etc. Given the uncertain medicare and quarantine costs, having health insurance can be of great help.


Does your health insurance plan cover you for COVID-19?


As per IRDAI instructions, all the insurance companies are instructed and advised to settle all coronavirus related cases with immediate effect as per the original policy offer. This is to provide immediate relief and support to affected people and to expedite the settlement of cases pertaining to this pandemic.


What is covered under the existing health insurance scheme?


Although every insurance company has a different set of inclusions and exclusions, on a general note, the following expenses would get covered under the existing health insurance scheme. A health insurance premium calculator can be used to accurately know what the exact premium amount you would need to pay to take up certain inclusions, family size, and other significant factors.


  1. 1. In-hospitalisation and quarantine charges: As per the existing insurance policy, the expenses related to total quarantine days and in-hospitalization charges are included. In-hospitalization charges basically account for operation or surgery and bed charges.
  2. 2. Daycare facilities: Whatever the expenses are incurred in taking care of the patient while in and out of the hospital include daycare charges.
  3. 3. Medicines and check-ups: All the medicines, vaccines and other medical necessities required during the treatment as well as check-up post the treatment are covered.
  4. 4. Medical expenses: The costs related to tests for the detection of COVID-19 are covered.




IRDAI and insurance companies are committed to helping COVID-19 patients. The World Health Organisation has declared COVID-19 as a global pandemic. In the case of pandemics, insurance companies curtail their coverage. However, no such communication has come either from IRDAI or the insurers. For any queries, contact your insurance provider today and get detailed clarity regarding Coronavirus coverage.

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