How to Buy Covid Health Insurance Plan: You have to see whether your insurance company covers the problems related to the necessary safety equipment or post covid symptoms along with the treatment of covid.
New Delhi:Covid Health Insurance plan: More than 2.5 crore people in India have been infected by Corona . Still 60-65 patients are being received every day, so in view of the danger of corona and the huge cost of treatment, if you are taking a health insurance policy , then it is important to take care of some things including the waiting period. You have to see whether your insurance company covers the necessary safety equipment or post covid symptoms along with the treatment of Kovid. Know some such important things from experts…
If the insurance company did not provide cashless treatment in the treatment of Covid-19, then complain like this
1. Waiting period of Kovid Health Insurance: The waiting period
in Kovid Health Insurance (Health Insurance:) is between 7 days to 30 days with the purchase of the policy. The waiting period of Kovid coverage in health insurance of most large companies is only 30 days. Health Insurance Head Amit Chhabra says that at present every health and term life insurance policy also covers Kovid, but some terms and conditions may be different.
Insurance companies will have to approve cashless claim for treatment of Kovid in 1 hour: IRDA
2. Expenses of PPE kit etc..
When a Kovid patient is hospitalized, many other expenses like PPE kit, gloves, belt, thermometer, spirometer are also included. Barring a few companies like Max Bupa, Bajaj Allianz, most companies do not provide health cover at their expense. Keep this in mind while buying the policy. Some insurance companies cover these things with a rider.
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3. Cost of treatment at home…
During the wave of Corona, there was no space in most hospitals, in such a situation whether the insurance company gives the cost of treatment at home due to the epidemic (Domiciliary Hospitalization). Do pay attention to this. That is, if there is a need for home ICU or general treatment at home, then a claim is received on it.
4. Cooling off period
According to Chhabra, if you have already had a corona infection, then you will have to wait 6 months to take a health insurance policy related to it. Most companies keep a cooling off period of six months for a patient who has recovered from Kovid. Therefore, if you are not in the grip of corona yet, then it is better to take a policy covering it immediately.
5. Sum Insured is also important
Kovid-19 usually has to stay in the hospital for 10-15 days. The cost of treatment of an infected person can also be 10 to 15 lakhs. In such a situation, it is better to take a policy of higher sum insured. The premium of 1 Crore Sum Insured comes up to Rs 400 per month, which covers your financial risk.
6.
Room Rent Limit– This means Room Rent Capping in the hospital. At least you must have the facility of a single private AC room in the policy. In many plans, there is no limit on its rental, that is, you can choose the room as per your wish.
7. Policy Purchase Method
Health insurance policies can be bought online within minutes and are also somewhat economical. If a person below 65 years of age does not have any disease, then the policy can be obtained online immediately. It does not require any medical and coverage starts immediately.
8. Consideration of age and diseases
If you are more than 65 years of age and are already suffering from diseases like Diabetes, Hypertension, then you can buy online health insurance policy, in that also medical checkup ( Medical Checkup) will not be required, provided you have to give underwriting on the phone itself.
9. Cover
of Post Kovid Symptoms Required People are battling Post Covid Illness after recovering from corona infection. In such a situation, it is better to take a comprehensive insured policy with higher sum insured. Now they can be found at affordable prices. While taking the policy, keep in mind that most of the symptoms related to post covid are covered in the plan or not.
10. Corporate cover is not enough…
Corporate health insurance is available to salaried workers, but their sum insured is very less. While covid and post-covid problems require a policy with a good sum insured. So it is better to take a separate health cover.
