Health insurance policies cover all kinds of respiratory diseases, therefore they also cover corona virus, provided the affected person doesn't have COVID-19 at the time of purchasing the policy.
The Insurance cover products will include all the basic coverage as well. Hence, all covers such as in-patient treatment, pre-hospitalisation, post-hospitalisation and ambulance cover provided in particular health policy offers will also be available for corona virus as well.
Generally, diagnostic expenses are not covered by health policies. However, diagnostic expenses would be covered under pre-hospitalisation extension if in case the patient is tested positive and hospitalised. According to experts, in case, the policy covers OPD (outpatient department) expenses, then the cost of diagnostics will be covered based on the policy terms.