1. Why Health Insurance is necessary now?

    Why Health Insurance is necessary now?

    Throughout India, thanks to the increase in the novel COVID-19 cases both states are under lockdown. The virus belongs to a wide family of viruses that cause mild diseases such as common flu that contribute to serious illnesses such as extreme acute respiratory syndrome (SARS). Individuals have symptoms such as elevated fever, cough, and shortness of breath.  

    Currently, no vaccine prevents anyone from contracting the disease, and not getting exposed to the illness is the only way you save yourself. Specifically, health experts have recommended some of the precautionary steps to ensure the virus is healthy, below are some of them:

     * Stay at home

    * Cover your nose and ears as you sneeze and cough

    * Wear a mask forever

    * Disposal of tissues contained in closed garbage bins

    * Purify the surfaces periodically 

    There are a few health precautions that you can take to contain the infection. The Government always allows

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  2. Is COVID19 expense covered in my insurance?

    Is COVID19 expense covered in my insurance?


    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.

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