Health Insurance: The novel COVID-19 Coronavirus disease has affected lakhs of people worldwide. The contagious disease, caused by a family of viruses, results in acute respiratory illnesses including pneumonia, impaired kidney and lung functions, and even multi-organ failure.

In a situation when there are uncertainty and possible health risks, having coronavirus insurance in the form of a protective cover is essential. It helps one to deal with any medical emergency with hopes of leading a worry-free life ahead. Coronavirus insurance helps you to access quality medical care and offers coverage for hospitalization based treatment for coronavirus disease.

Importance of Coronavirus Insurance

With the outbreak of the Coronavirus disease (COVID-19), the world has been witnessing unprecedented events. It has confined people to their homes and impacted business operations, thus affecting the world economy.

In times when financial problems are likely to occur, having to deal with a medical emergency without any safety cushion can be challenging. Staying prepared through prior planning is a sensible idea to keep worries at bay. So, choose coronavirus health insurance and ensure the well-being of your loved ones.

Can You Get Health Insurance Cover For Coronavirus?

As the contagious coronavirus (COVID-19) disease has spread to various parts of the world, it has alarmed people and affected their normal lives. The sick and elderly, in particular, are being urged to avoid going to crowded places.

Despite the growing fears due to this pandemic, it is important to stay calm and take steps to avoid health risks by keeping oneself protected by following hygienic habits. Talking about financial protection, many people are eager to know if their health insurance plans would cover them in case of treatment resulting from Coronavirus disease. Read below to know the answer.

Is Coronavirus Covered Under Existing Health Insurance policy?

Experts say that if a person already has an existing health insurance policy, then treatment cover for Coronavirus disease will be included. However, if a person opts for a policy after contracting the disease, in such cases, he or she will not be entitled to get coverage for the treatment.

We at HDFC ERGO cover hospitalization expenses for Coronavirus under all our health insurance plans subject to all terms and conditions of the policy. Everything from pre-hospitalization expenses to post-hospitalization expenses incurred for diagnostic and consultation etc gets covered with us seamlessly. We also cover quarantine related medical expenses, if tested positive for COVID-19 and recommended by a registered medical practitioner, in a registered medical facility as per the terms and conditions of the insurance product. 

Health insurance in this situation will be highly beneficial, as it will provide cover against expenses that you may incur in order to get the required treatment. There are numerous hospitaliZation expenses involved for getting treatment in case you suffer from Coronavirus. While you focus on the quick recovery, we take care of your medical expenses by covering diagnosis, consultation costs at the time of pre-hospitalization and post-hospitalization as well. Quarantine just for isolation without any treatment is not covered. We also cover the confirmatory tests for COVID-19 as part of hospitalization and pre/post-hospitalization claim. However, note that daycare procedures or Domiciliary treatments are not covered for COVID-19.

If you already have a health insurance plan with HDFC ERGO, we will cover hospitalization expenses due to Coronavirus. Click here to explore our Health Insurance Plans

Compare Health Insurance to find a plan that meets your needs without paying a fortune or becoming a victim of the cheap talks of insurance sales agents. A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

Comparing insurance quotes online can save you up to 40% on your policy premiums and get you the best plan for your requirement, free from the sales agent pressure.

Also Read: Lockdown extended till May 3, govt to issue guidelines tomorrow, says PM