As the need for healthcare increases every day, in such times it is crucial that you guard yourself up against the Coronavirus disease. Not only it is important that you take all the precautions, but also safeguard your savings, in case of an unfortunate covid emergency. The treatment expenses for Covid-19 can be costly and without a secure financial plan, it may be heavy on your pocket.
Hence, we bring you the Corona Kavach Policy which you instantly purchase on our Bajaj Finserv App.
To help you understand better, we have listed a few most common symptoms of the disease so that you can take quick action regarding your heath treatment.
The most common symptoms are:
- Fever
- Dry cough
- A loss of taste and/or smell
- Fatigue or tiredness
- Diarrhea and/or other digestive troubles
- A sore throat
- Body aches and pains
- Headache
- Discoloration of fingers and/or toes
- Rashes on the skin
In serious cases of COVID-19, the following symptoms could occur –
- Pain in chest
- Shortness of breath
- Loss of speech or mobility
- Difficulty in breathing
Older people and patients with other underlying medical problems like high blood pressure, heart disease, or diabetes are more likely to develop the above-mentioned serious symptoms.
Coverage Benefits Under Health Insurance for Coronavirus
Inclusions:
- Pre and post hospitalisation expenses are covered
You are covered for both pre and post hospitalisation expenses up to 60 and 90 days respectively.
- Family members are covered
All your family members are covered including your parents, parents-in-law, grandchildren, and dependent siblings.
- Ambulance charges covered
Covers ambulance fees up to a limit of Rs 20,000 in a policy year.
- Daycare treatment covered
Covers expenses for all listed daycare treatments.
Exclusions:
- Medical expenses where in-patient care is not warranted and does not require supervision of a qualified nursing staff or a qualified doctor 24×7.
- Diseases/illnesses requiring treatment caused due to the use or abuse of any substance, drug or alcohol.
- Any treatment received outside of India is not covered under this policy.
- Vitamins, tonics, nutritional supplements unless forming part of the treatment for injury or disease as certified by the attending doctor.
- Experimental, unproven or non-standard treatment.
- Medical expenses relating to any hospitalization primarily and specifically for diagnostic investigations.
- External medication of any kind used at home post treatment.
Factors you must check before buying a health insurance plan for coronavirus
- Make sure to check the list of network hospitals mentioned in your policy terms. This way, you can know whether the insurer has tie-up with reputed hospitals or not.
- Check details for at least basic coverage benefits like pre and post hospitalization expenses, road ambulance, and ICU charges.
- Another important thing to check is the waiting period. Most insurance companies have a waiting period of 30 days before you can start to avail the benefits offered by your policy. However, this varies from insurer to insurer.
- Lastly, make sure to check the Sum Insured (SI) offered. Since the hospitalization expenses for coronavirus treatment are high, it is advisable that you get a health plan covering Covid-19 with a higher SI.
In these tough times, we hope you stay safe and healthy! The above-mentioned details about health insurance for coronavirus can be helpful for you. If you want to know more or explore insurance plans, you can download our Bajaj Finserv App.
Anywhere, Anytime insurance with the Bajaj Finserv App!
The Bajaj Finserv App is a high utility app that takes care of all your financial needs including insurance. On the app, you can explore health insurance plans from our trusted partners. Here you can view product features, compare prices, and purchase a plan that is best suited to your needs. All this in a matter of minutes on our 100% digital platform and from the comfort of your home. It truly is becoming the new way to buy insurance.
