Which Health Insurance Company Covers COVID-19 in Detail

As the global pandemic caused by Severe Acute Respiratory Syndrome Coronavirus 2 (SARS-CoV-2), COVID-19, continues to affect millions of individuals worldwide, the importance of having a robust health insurance plan has become a pressing issue. During this period, most countries are grappling with the economic and health repercussions of the virus. This article will outline the different health insurance options available and highlight key features to consider in a comprehensive health insurance plan that covers COVID-19.

Evaluate Your Health Insurance Needs Amidst a Pandemic

The recent surge in cases has underscored the necessity for health insurance coverage, particularly during this unprecedented health crisis. While different health insurance providers offer varying levels of coverage, it is crucial to evaluate which plans include coverage for COVID-19. This is especially important when faced with the uncertainties and potential financial burdens of the virus.

Kenko Health Plans: Comprehensive and Affordable

Kenko Health Plans stand out as one of the leading providers in this regard. They offer an affordable monthly subscription plan that provides up to 90% discount on medicines, selective preventive care, and lab tests related to COVID-19. Moreover, Kenko does not impose any exclusions or hidden charges, ensuring that policyholders receive immediate reimbursements without any delay.

Comprehensive General Health Insurance Coverage

As per the Indian Regulator, Insurance Regulatory and Development Authority of India (IRDAI), all comprehensive health insurance plans are entitled to cover the expense for COVID-19 treatment. Hence, it is essential to choose a plan that covers the cost of treatment in hospitals, home care, makeshift hospitals, and non-network hospitals. Additionally, these plans should also extend coverage for the long-term side effects of the virus and include the cost of COVID-19 vaccination.

Key Features to Look for in a COVID-19 Health Insurance Plan

To make an informed decision, here are the key features that an ideal health insurance plan for COVID-19 should include:

Sum Insured: At least INR 5 lakh - INR 10 lakh. This ensures that there is sufficient coverage for potential high medical expenses. Homecare Treatment: Support during treatment not requiring hospitalization. ICU and OPD Treatment: Cover for treatment in the Intensive Care Unit (ICU) and Outpatient Department (OPD).

Top Health Insurance Plans Covering COVID-19

Here is a list of some of the top health insurance plans that offer extensive coverage for COVID-19:

Care Health Insurance

For Adults (5 years) and Child (91 days), the Care Health Insurance plan offers a premium of INR 16,613. This plan includes coverage for modern treatments such as Robotic Surgery and allows policyholders to choose add-on covers. It also offers a reset benefit up to 100% of the base sum insured and a complimentary health check-up for each insured person every policy year.

ICICI Lombard Complete Health Insurance Plan

This plan covers adults (5 years) and children (91 days) and carries a premium of INR 16,973. It provides a reset benefit where the plan will reset up to 100% of your base sum insured in case it gets exhausted and offers a complimentary health check-up for each insured person every policy year.

Star Family Health Optima

Designed for adults (18 years) and children (16 days), this plan comes with a premium of INR 17,063. It offers an automatic restoration of 100% sum insured and includes a newborn baby cover starting from the 16th day after birth.

HDFC Ergo My: Health Suraksha Silver Smart

Intended for adults (18 years) and children (91 days), this plan has a premium of INR 18,277. It pays for medical expenses in case of hospitalization for any mental illness. Additionally, it offers a cumulative bonus of up to 25% of the basic sum insured.

Conclusion: In conclusion, evaluating the different health insurance options available and choosing one that includes comprehensive coverage for COVID-19 is essential in navigating the challenges posed by the pandemic. By considering factors such as the sum insured, homecare, ICU and OPD treatment, and add-on benefits, you can make an informed decision and ensure you and your family are protected.