The countdown of the corona cases has still not stopped worldwide and it is here to stay. The population of the country is really huge, the number of people who have been vaccinated is too less in comparison to the number of people who have not been vaccinated yet. You take an insurance cover so that you are ready to deal with any kind of unfavourable situations that may occur in the future. Normal health policies do not cover you for every disease, so corona health insurance is necessary in the current scenario.
Many people lost their lives because of this pandemic. No medicines, no beds, no oxygen cylinders. You have faced circumstances you would never want to hear about again. There is no job security, medical expenses are increasing and health risks have increased manifolds. Getting yourself covered under a good insurance plan is a must and it should be done as soon as possible for you to get over with the constant stress.
Some health plans do cover the expenses related to the coronavirus but it is sensible to buy an insurance cover only for corona
Features covered by the policies that give corona cover
Customized health covers are available that cover the expenses that are incurred on hospital bills, as per the rules mentioned in the policy. A lot of money is spent on the quarantine facilities also; these are covered too if medical experts attest to them. Having a policy dedicated for covid -19 takes care of all the possible expenses and also medical expenses that occur because of medical emergencies. The important features are:
- Bills for Hospital Stay: if you have been admitted to the hospital for more than twenty-four hours, till the time you do not get discharged all your expenses as per the sum insured is taken care of.
- Before Hospitalization: the feature states that the policy would cover the expenses that the holder of the policy spends one month before he gets admitted to the hospital. All the medical expenses.
- After Hospitalization: the expenditure for the next two months after the discharge from the hospital is covered under this feature.
- Treatment without cash: a special benefit is given to the holder of the policy. you can use your health card for treatment anywhere in the country without paying for the expenses in cash directly. As per the conditions of the policy the bills could be cleared by the hospital directly.
- Buying online: you do not have to run around anywhere to buy yourself a covid insurance policy. You can do it online from the comfort of your home with a few clicks. You have to visit the website for detailed information and you will be surprised with the convenience.
- Other important features: the plan gives you additional benefits like annual check-ups for health, you can renew it lifelong, benefits in tax, etc.
Please take note of the following, these are not included in your insurance policy for COVID
- If you participate in any sport and get hurt, expenditure on that is not covered
- If you attempt suicide and take treatment, these expenses will not be covered as they come under the injuries that occur because of self-infliction.
- Claims that arise due to warlike situations
- Diseases that are transmitted sexually do not get covered under the policy
- You cannot claim expenses that are incurred because of getting surgeries done related to obesity or cosmetic treatment.
- If you participate in some operations related to defence and meet with some accidents, they are not covered under the policy.
Check if you are eligible
You can take a policy for covering your entire family under the coronavirus insurance plan, the eligibility is as follows:
- You can get an individual cover for five years. Ninety-one days with at least one person covered who is eighteen years or more, this is the minimum age limit
- Lifelong is the maximum age limit
- The limit to exit is life long
- The settling of a claim requires a proper certificate from a recognized medical practitioner for the treatment given. The place that gave the treatment has to be authentic which is authorized to give treatment to covid patients.
- The approval of the claim is based on the discretion of the company solely.
Coronavirus has made it really difficult for people to stay without stress and fear. Having a good insurance cover is the only security that you can give to yourself and your family. There are many options available, but a “care” insurance policy for coronavirus from Care Health Insurance is the best. It covers all the expenses. It is easy to claim and has maximum benefits. This pandemic has made everyone understand that health is wealth. So do not waste time thinking. Just go and get yourself a covid insurance policy.