In Times Of Uncertainty: Get Insured And Live Hassle-Free

Today, amid ongoing Covid-19 pandemic medical inflation rates are so high, failing to hold an adequate health cover can prove costly financially.

Despite massive losses, insurance providers had to adjust to the new norms of COVID-19 pandemic and continue delivering the services

Medical emergencies come unannounced. It may come as no eye-opener that Covid-19 has accelerated awareness of health insurance.

Today, amid ongoing Covid-19 pandemic medical inflation rates are so high, failing to hold an adequate health cover can prove costly financially.

Till the time a vaccine is not developed buying health, the cover is no longer an option but has become a compulsion.

For families and individuals who do not have a mediclaim insurance, the hospitalization cost can blow

In the wake of the coronavirus pandemic in the country, the need to take extra precautions for your health is of high importance.

While there is substantial awareness of health insurance being a mechanism for financial protection to the people to meet costs of healthcare, it is also important to note that Covid health insurance will be covered as part of the basic hospitalization expenses under a health insurance plan that includes in-patient hospitalization expenses, ICU charges and diagnostic test charges amongst others.

Arogya Sanjeevani Health Insurance Policy

To make health insurance more accessible, affordable and less confusing for policy buyers, IRDAI launched the Arogya Sanjeevani Health Insurance Policy on April 1, 2020. It allowed all general and standalone health insurers to offer the Arogya Sanjeevani Policy as a group insurance product in which apart from covering the medical expenses due to hospitalization, it also covers treatment costs of Covid-19.

Does health insurance cover Covid-19?

The Insurance Regulatory Development Authority of India (IRDAI) has mandated general and health insurance providers to offer health insurance for Covid-19 with common guidelines across the insurance industry.

IRDAI launched COVID-19 specific plans like Corona Rakshak and Corona Kavach for the Indian consumers.


According to Ravinder Kumar, Assistant Manager at The Oriental Insurance, “Today health insurance policy covers all infections, including coronavirus is one such. Coverage will be available in all our policy that offer hospitalisation covers.”

“As thousands of people suffering from severe respiratory illness because of Covid and treatment of this sometimes can get very expensive. However, the policy will not cover any other treatment that is unrelated to the present pandemic. If you wish to get insured against other common and critical ailments, you need to opt for a comprehensive health insurance plan”, he added.

Corona Kavach Policy can be bought for an individual or as a family floater plan, but it can only be availed by persons between the ages of 18 and 65 years.

Whether you’re single, married or have a family to support you need some level of health insurance to protect yourself against financial disaster in the event of a serious illness or accident.

So, before you buy a coronavirus insurance India is offering, you should be aware of a few facts related to the policy:

  • It is vital to check all the facilities and the coverage provided so as to fulfil the requirements of the treatment.
  • The profile and the history of the company should be checked along with the customer reviews to make the right choice.
  • The principal point to be noticed while buying medical insurance is the Sum Insured offered by the insurer to the insured

In essence, there are various benefits of health insurance and since it’s being made affordable, it is a good time to get a policy and add a safety net around yourself and your loved ones.

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