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Coronavirus Health Insurance Explained

As you all know, we are living in an uncertain time, where novel COVID-19 Coronavirus has spread across the globe. Almost all the places where life exists, you will find a case of infected patients. Coronavirus, which was first reported in Wuhan, China on New Year’s Eve of 2020, has now infected over 3,000,000 people across the globe. This communicable disease causes acute respiratory illnesses including impaired kidney and lung functions severe pneumonia, and even multi-organ failure. To stop the spread of this contagious disease, the government of various countries including India has imposed a lockdown on their people. 

In this time of uncertainty, there is a high chance of possible health risks. If you have a health insurance policy, then you don’t need to worry because it will cover you financially and will take care of your medical and hospitalization expenses in the time of need. Some experts even say that your existing medical insurance will cover the treatment for Coronavirus disease. However, if you don’t have a insurance policy, then don’t worry, many reputable insurance providers are offering Coronavirus Health insurance

What Is Coronavirus Health insurance?


Coronavirus health insurance provides coverage against the medical contingencies with hopes of leading a worry-free life ahead. Insurance from a reputable insurer provides coverage for quality medical care and takes care of hospitalization bills for the treatment of an infected patient.

Also, with the implementation of lockdown around the globe, the businesses have taken the major hit, which in turn is affecting the world’s economy. We all know that we will be facing a financial crisis in the near future. In these unprecedented times, dealing with medical emergencies without having a plan that supports you financially will be a bad idea. So, it is recommended that you opt for coronavirus insurance and ensure not only yours but your loved one’s safety as well. 

How To Claim Coronavirus Health insurance?


Coronavirus medical insurance provides coverage for medical expenses against various illnesses including COVID-19. It is considered a medical emergency if someone gets infected from coronavirus. Thus, an infected person who is also insured can make a claim in any of the two ways mentioned below:

Reimbursement: In this case, the policyholder has to bear the burden of paying hospitalization bills and medical expenses from their own pocket. The policyholder can later file for reimbursement of expenses by submitting some necessary documents such as medical reports, hospitalization bills, etc. 

Cashless treatment: If a policyholder applies for a cashless claim, they not only can avail the treatment at any of the network hospitals of the insurer, but they don’t even have to worry about paying the bills as their insurer will directly settle the bill with the network hospital.

You should buy a coronavirus health insurance policy to prepare for any medical contingencies. Along with the insurance, you should keep your immune system strong and take precautions such as washing hands regularly with soap, use of face masks, covering a cough or sneeze with using disposable tissues or on the side of your arm, etc. to avoid the spread of this contiguous disease.