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Apeksha Mishra

Will post Covid illnesses be covered under pre-existing disease category going forward?

Policybazaar Team

COVID is a developing situation and insurers across the world are divided on what consequences could be if one contracted the same. However, as on date, most of the insurers in India are not treating it as a pre-existing condition and are only recommending a cooling-off period between 15 to 90 days from the date of recovery from COVID before health insurance coverage may be accorded to them. However, on a case to case basis, there may be a requirement for additional tests as part of underwriting and one should be ready for the same. As more details emerge from studies on the long term impact of COVID, some of these assumptions and consequently the decisions may undergo a change.

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