Does coronavirus get covered in health insurance policies

Health Insurance Policies and Coronavirus

Does coronavirus get covered in health insurance policies

Even though for quite some time India seemed to be immune to the coronavirus outbreak as it sped to nations globally, eventually India too fell in its clutches. The number of patients getting tested positive is scaling up every day. People are being urged to take every possible precaution such as observing personal hygiene and avoiding mass gatherings. At the same time, it is important to be prepared for the possibility of contracting coronavirus. And in such a case, you will need your health insurance policy.

The first question you might be asking is, whether your health insurance policy will cover coronavirus or not. The answer is yes, it will.

But there are a few terms and conditions. There are some scenarios under which your claim for the sum assured might be rejected. Read on to know all about it-

1. Hospitalization for 24 hours

Diagnosis of coronavirus alone is not enough for claim settlement. Insurers will only pay you the sum assured if you have been hospitalized for at least 24 hours. Since most insurance policies in India do not cover the Out Patient Department Treatment, they may refuse to pay up without hospitalization.

2. Being branded as a pandemic or epidemic

If the World Health Organization labels coronavirus as a ‘pandemic’ (which has already happened) or as an epidemic by the Indian Government, then insurers can decide to not honour the medical claim. A pandemic is an illness that has spread globally and affects millions. Everyone is at risk of contracting a pandemic illness. And that is why insurers are likely to reject insurance claims.

But there are some insurance plans provided by public sector banks that have factored in the danger that COVID-19 poses to the lives of Indians and hence decided not to reject claims at all even if coronavirus is an epidemic. They are planning to extend as much help as possible to the people of this country at their hour of need.

If you are purchasing a healthcare policy now, make sure to check the terms. Many policies cover pandemics and epidemics and it is wise to choose such plans. COVID-19 may not be the last case of global infection. Investing in a health policy that extends coverage to such illnesses may be a blessing to you and your family in the future.

3. Flu as a pre-existing illness

Just as your claim would be rejected if you purchase a policy with pre-existing illness and seek the sum assured for the treatment of the same, contracting the flu prior to purchasing the health care policy will be grounds for claim rejection.

Suppose you have been exhibiting the signs of the common cold or flu (which are exactly the same as those of coronavirus) for a few days. And it is in this juncture that you decide to purchase a health plan. If the results of diagnostic tests show that your symptoms are the result of coronavirus and not the flu, your insurer may refuse to pay up. Your insurer will think that you purchased the policy just because you feared you had contracted the dreaded coronavirus.  

4. You develop the coronavirus infection during the waiting period

Every health policy has a waiting period. If you are diagnosed with any illness during this window, your insurance plan will not pay for the treatment of it. This law applies to coronavirus as well.

5. Travelling to a coronavirus-affected country

If you contracted the virus when you had been abroad in a country under the grips of coronavirus, then filing a claim will be no good, as it will be rejected. Insurers will look into your travel history. Only if you develop the infection in India, will your policy pay you the sum assured.


If you have any queries, speak to a representative of your insurer. And don’t forget to adopt every precaution to ensure that you don’t contract coronavirus in the first place.

Coronavirus is spreading at an alarming rate, and is something you should be cautious against! So, don’t leave space for any confusions! If you have medical queries on Coronavirus, call us on 080-47193456

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Filing Claim With Two Insurance Companies

Filing claims with two insurance companies – Risk or necessity?


Filing Claim With Two Insurance Companies

To understand how to get the best out of health insurance policies, people pose many questions to experts. And one question that comes up frequently is, “Can I file a claim with two insurance companies?” Read on to know if you can.

What does it mean to have more than one medical policy?

People often opt for more than one health insurance policy. Employees are often covered by a group health insurance policy, spouses can have a family health insurance policy, and adults can be covered by a medical policy that their parents purchased.

Even so, you can and should purchase a policy separately. You may ask why? Because medical services are very expensive and may shoot up further in the coming years. Therefore, if you run up an exorbitant bill, your group or family policy may not suffice. Even if you are not covered by either of these policies, but have your own individual policy, we suggest you get a second one. This way when the sum assured from one policy does not meet the medical bill, you will not have to pay the remainder from your pocket.

Primary and secondary health policy

Since you have two policies, one will be primary and the other will be secondary. You can choose which will be which. When you are hospitalized, you have to file a claim with the primary insurer. If the bill exceeds the sum that the primary insurer pays, the secondary policy is activated. And now you will make a claim on this policy, following which the remainder will be paid by the secondary insurer.

This becomes especially necessary in an era when critical illnesses are on the rise. The treatment can be expensive and if you possess 2 policies, it will ease the financial burden.

Word of Caution

If you opt for two insurance policies, then you have to inform both the insurers regarding your decision. Otherwise, you will be violating an important regulation. And this could result in your medical claim being dismissed by both the primary and secondary insurers.


Health insurance is a necessary investment. And considering the rising costs of medical services, it’s better to stay safe by taking two policies.

Confused about the type of policies to go for. To help you out, here is a small list with each one’s important features:


  1.     Economic times

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