Insurance: Will your health insurance policy cover the cost of COVID-19 treatment? Check now so you don't have to regret it later..

The number of COVID-19 cases in the country has crossed 1,000. In such a situation, it has become important for those who have health insurance to carefully check the terms of their policy. It may happen that your policy may not be able to bear the full cost of treatment at the time of need. Amidst the increasing cases of Covid, it has become very important to check and update your health insurance policy. Therefore, review your policy in time and ensure that it is fully helpful in an emergency like Covid.

The shortcomings of many health insurance policies were revealed in the previous waves of Covid. Essential expenses like room rent limit in the hospital and PPE kit were not included in the insurance, which was a big drawback. Apart from this, a strict definition of hospitalization and not covering treatment at home also became a big problem.

According to experts, in today's time, people living in cities must take an insurance cover of at least Rs 10-15 lakh. On the other hand, if there are more than three members in the family, then a floater cover of Rs 20-25 lakh would be appropriate. The insurance policy should have the facility of domiciliary treatment i.e. treatment at home. This allows patients with mild symptoms to get treatment without being admitted to the hospital and its expenses are covered by the insurance. The facility of teleconsultation is also important so that the patient can take virtual advice from the doctor.

Restore benefit is necessary.

There should also be a restoration benefit in the insurance so that treatment can be started again even after the insurance amount is exhausted. Also, there should be no limit on room rent on hospitalization as COVID patients often need ICU or separate rooms, which costs more. Items like PPE kits, masks, gloves, and sanitizers should also be covered in the insurance because last time the expenses increased a lot due to these.

Super top-up option

If the insurance amount in your basic policy is limited, then you can take a super top-up policy. This policy proves to be very useful in cases of prolonged illness, high expenses, or frequent hospitalization. Old insurance policies often have many limitations and conditions. OPD expenses, treatment at home and treatment in some hospitals are not covered under these policies.

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