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Coronavirus Health Insurance

The outbreak of Coronavirus has been in the news for months now. More than 19 million people around the world have tested positive of this disease that has claimed over 1 million lives so far (as on 14th April 2020). With more than 10,000 people in India testing positive with the disease (as on 14th April 2020), it has become a matter of great concern for our vastly populated nation. There have been outbreaks of many deadly viruses in the past, such as Zika, Ebola, MERS, Nipah, etc, But the novel Coronavirus disease (COVID-19) has brought the whole world to a standstill with several countries under lockdown, including India.

Though it has not spread in India as widely as most developed nations, such as China, Italy and the USA, it is important to be prepared for any unfavourable circumstance in advance. But if you have a health insurance policy, the question is if the novel Coronavirus disease falls under the ambit of medical insurance coverage in India or not?

What is Coronavirus?

Coronavirus is a group of virus that attacks the immunity of a human being causing diseases ranging from the common cold to Severe Acute Respiratory Syndrome or SARS. In late December 2019, a new strain of coronavirus originated in China, which was unknown to humans before. It came to be known as the novel Coronavirus disease or COVID-19. Ever since the disease has spread across the globe killing over 1 million people (As on 14th April 2020).  

The coronavirus disease causes infection in the nose, upper throat and sinuses. In severe cases, the virus can lead to major respiratory illnesses such as pneumonia, kidney failure as well as multiple organ failure. Therefore, the 2019-nCoV or the novel coronavirus disease has been fatal largely for people above the age of 60 years and those who had pre-medical conditions.

The symptoms of Coronavirus infection are similar to those of regular flu that includes sore throat, fever, dry cough, runny nose and sometimes a headache. Being a new strain of the coronavirus, there is no vaccination or guaranteed cure available as of now.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

What is Coronavirus Health Insurance?

Coronavirus Health Insurance refers to a health insurance policy that covers the medical expenses incurred on the treatment of COVID-19. A health insurance policy is designed to cover hospitalization expenses of the insured person, irrespective of the disease that he has been diagnosed with (unless it is a critical illness that is not covered). Almost all the health insurance plans cover hospitalization expenses incurred on the treatment of viral infections. Since Coronavirus is a viral infection, a comprehensive health insurance policy pays off hospitalization expenses including in-patient and out-patient expenses, incurred on the treatment of COVID-19.

The Coronavirus health insurance cover will be available from the day the insured gets diagnosed with the disease. This is because COVID-19 is a new disease and therefore, does not come under the category of pre-existing illness.

What is Covered by Coronavirus Health Insurance Plan?

The following table shows the list of inclusions under coronavirus health insurance:

Important Covers Standard Covers Add-on Covers
  • In-patient hospitalization expenses
  • Pre-hospitalization expenses
  • Critical illness hospitalization
  • Accidental hospitalization
  • Daycare procedures
  • Road ambulance expenses
  • ICU room rent
  • Organ donor expenses
  • Daily hospital cash
  • Home hospitalization
  • Post-hospitalization expenses
  • Alternate treatment
  • Recovery benefit
  • Maternity benefit with newborn baby cover

What is Not Covered by Coronavirus Health Insurance Plan?

Not all medical expenses are covered under your coronavirus mediclaim insurance policy. Take a look at the list of exclusions under your coronavirus insurance:

  • Home Quarantine – This policy does not cover any expenses that you incur while staying in quarantine at your home
  • Non-recognized Quarantine Centre – If you quarantine at a non-recognized centre for coronavirus treatment, the medical expenses incurred will not be covered under your policy
  • Pre-Existing Diseases – Any medical expenses incurred on the treatment of any pre-existing diseases will not be covered under this policy unless the waiting period gets over
  • Pre-Natal & Post-Natal Expenses – This policy will not cover any pre-natal or post-natal expenses incurred by the insured unless it leads to his hospitalization.
  • Hospitalization without Doctor’s Recommendation – If you get hospitalized without the recommendation of a qualified doctor (as mentioned on a prescription), then this policy will not cover the hospitalization expenses arising out of it

How to Claim Health Insurance for Coronavirus?

There are two ways of filing a health insurance claim for Coronavirus disease. You can file a cashless claim or a reimbursement claim. Let us read in detail about both types of claims for coronavirus health insurance cover:

  • Cashless Claims for Coronavirus

    Most health insurance providers today provide cashless treatment facility. As part of this facility, the insured is not required to make any payment for the treatment taken at one of the network hospitals of the insurer. Instead, the insurance company settles the treatment bills directly with the hospital.

    So if you receive treatment for coronavirus disease at a network hospital of your insurance provider, you will be able to avail cashless treatment facility and would not be required to make any payment for the treatment received.

    Make sure to check if your health insurance for coronavirus offers cashless claim facility. You can find the list of network hospitals of your insurer on the policy wordings or at the official website of your insurance provider.

  • Reimbursement Claims for Coronavirus

    Reimbursement claims are meant for policyholders who get hospitalized and receive treatment at a non-network hospital of his insurance provider. If you obtain treatment for COVID-19 at a non-network hospital of your insurer, you will be required to pay all the hospital bills in full at the time of your discharge.

    Once you get discharged, you need to file a reimbursement claim with your insurance provider. To do so, you’ll have to fill up the reimbursement claim form and submit the required documents including the hospital bill payment receipts, investigation & test reports and doctor’s prescription to the insurer within the specified time limit.

    The insurance company will verify your claim and post that the reimbursement amount will be transferred to your bank account.

Is Coronavirus Covered Under Existing Health Insurance Policy?

Coronavirus diseases or COVID-19 may be newly discovered disease. But all existing health insurance policies will provide coronavirus health insurance cover. This means that if you purchased a health insurance policy before testing positive for the coronavirus disease, any medical expenses incurred on its treatment will be covered under it (provided you don’t get diagnosed during the initial waiting period).

Since the coronavirus is not a pre-existing ailment, it will be covered as part of the basic hospitalization expenses under a health insurance plan that includes in-patient hospitalization expenses, ICU charges and diagnostic test charges amongst others.

However, if you don’t already have a health insurance policy and decide to buy one after testing positive for COVID-19, then coronavirus treatment expenses will not be covered under the policy.

Important Facts on Coronavirus Insurance Cover

Before you buy a coronavirus insurance India is offering, you should be aware of a few facts related to the policy. Here are some important facts that you should know before buying a coronavirus health insurance cover:

  • Sum Insured: Coronavirus has claimed several lives across the world and thousands of people have been critically ill due to contracting the disease. Since COVID-19 can lead to severe respiratory illness and impacts overall body functioning, its treatment can get very expensive especially for people with underlying diseases. Therefore, it is advisable to opt for a higher sum insured amount for your coronavirus health plan so that you are appropriately covered for any circumstance.
  • Coverage: It is important to carefully go through the coverage provided by the COVID-19 health insurance before you choose a plan. Most policies offer coverage for in-hospitalization expenses, post-hospitalization care, ICU charges, OPD charges, ambulance charges, etc.
  • Waiting Period: While buying health insurance for coronavirus, it is important to check the in-built waiting periods under the policy. Almost all health insurance plans come with a waiting period of the first 30 days. However, some insurance providers, such as Star Health Insurance, is offering 16 days waiting period only under their coronavirus health insurance policy. During this period, none of the claims filed by you will be covered by under the policy. Thus, make sure to check the initial waiting period that your coronavirus insurance comes with before buying.


  • Q: Does my existing health insurance policy cover Coronavirus disease?

    Ans: Yes. Existing health insurance policies will cover treatment expenses for Coronavirus disease. People, who already have a health insurance policy, will be able to file claims arising out of the treatment of Coronavirus disease. However, if a person buys a health insurance policy after testing positive for COVID-19, then their health insurer will not cover the treatment expenses.
  • Q: How can I buy Coronavirus Health Insurance plans online?

    Ans: You can easily buy a coronavirus health insurance online. You have to first choose the Coronavirus health plan that you want to buy. Enter the required details and pay the insurance premium online. Once the payment has been made, the COVID-19 health insurance will be issued to you.
  • Q: Is home care covered by Coronavirus Insurance?

    Ans: Most Coronavirus health insurance policy covers home care expenses if it has been recommended by the doctor. However, home quarantine-related expenses are not covered by most insurance companies. Therefore, it is advisable to check the same with your health insurance provider.
  • Q: Is there any waiting period applicable to Coronavirus Health Insurance?

    Ans: Yes. Coronavirus health insurance comes with a waiting period of either 16 days or 30 days from the date of commencement of the policy. Therefore, it is advisable to check with your insurance provider regarding any initial waiting period.
  • Q: Is cashless and reimbursement facility available under coronavirus health insurance?

    Ans: Yes. Most Coronavirus health plans by insurance providers in India offers both cashless and reimbursement facilities. While cashless claims can be availed by receiving treatment at an empanelled hospital of the insurer, reimbursement claims can be filed if the insured receives treatment for Coronavirus at a non-network hospital of the insurance provider.
  • Q: Is health insurance for the COVID-19 Coronavirus disease available in India?

    Ans: Yes. Several health insurance companies in India are offering dedicated health insurance for coronavirus. Some of the insurance companies offering Coronavirus health insurance includes Religare Health Insurance, Digit Health Insurance, Star Health Insurance and many more.


  • PM Insurance Plan to Cover Contract Staff in contact with COVID-19 Patients

    In a recent hearing on May 15, 2020, the Indian Government told the Bombay High Court to extend the health insurance coverage offered under Pradhan Mantri Garib Kamgar Package, to essential services, civic workers working in contract, and people who may encounter Coronavirus positive patients. The scheme offers coverage of Rs 50-lakh to Health Workers.

    This health insurance scheme will cover every person on Covid-19 duty, who get infected from other COVID positive patients. This scheme shall benefit all the frontline healthcare workers in both public and private establishments and for both contractual and permanent employees. It also offers death cover. Therefore, the scheme will also cover eligible contract employees of NMMC.

Written By: PolicyBazaar - Updated: 28 May 2020
182,143 Confirmed Cases in India*
6,135,410 Confirmed Cases worldwide*
367,516 Confirmed deaths worldwide*
Average Rating
(Based on 11 Reviews)
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Coronavirus Health Insurance Reviews & Ratings
4.5 / 5 (Based on 11 Reviews)
(Showing Newest 11 reviews)
Laxhmipur, May 28, 2020
It is good to know that from where you are getting the health insurance policy the company is good. I can trust on their services as well as thereafter sales services. Thanks team for such great services.
Adilabad, May 27, 2020
Claim assistance is easy
I recently had a health insurance policy which covers the corona virus and a lot many things. They have provided with so many add on benefits as well as covers. The claim settlement ratio is very good as I have researched and read a lot many things. Thanks team for too good services.
Ahmedabad, May 22, 2020
Quick services
Policybazaar team has grown a lot and it has become a good brand. I am really happy to be a great customer of policybazaar. They understand the needs of the customer and now the situation has quite worst due to corona virus. So, they told me about the health insurance plan which I can take from policybazaar. I took the plan for me and my family for their secured life.
Cuncolim, May 21, 2020
Online Insurance
I got the health insurance policy online basis. It is really easy just choose the plan of corona health insurance as per your choice and budget. Check the details ver carefully and make the payment. You will be issued with the policy copy.
Chadayamangalam, May 21, 2020
Before choosing the plan you must read each and every instructions as well as what they are providing in the plan. As most of the policies offer the hospitalization bills, medical bill, ICU charges, and OPD charges etc. It gives a great number of coverage for your safety and security.
Canning, May 19, 2020
High sum insured
As per my reading to the news and information it is understandable that the treatment of corona virus is much expensive. So, I took the sum insured of my health insurance little higher so that later stage I won’t get any difficulty in meeting the expenses.
Vadgaon, May 19, 2020
Customer services
I like the customer team of policybazaar. The team work and the spirit is very nice. They explained me each and every details related to the policy very clearly and also told me the advantages. I have an existing health insurance policy and it will take care of corona related problem. But if I take the policy after getting positive for corona then they will not cover the expenses for the same.
R.udayagiri, May 19, 2020
Cashless claim for Corona Virus
In this health insurance policy if you are by chances suffering from Corona Virus disease then you will be admitted to the hospital and whatever the expenses would be there it would be paid by the insurance company and that too cashless.
Yavatmal, May 16, 2020
Hospitalization expenses
This is a great health insurance policy for those who are suffering from corona virus. It will cover the medical bills and the hospitalization charges too. As the cases are increasing. You just have to get admitted to the hospital with doctor’s recommendations.
Uchchhal, May 16, 2020
A great policy for Corona Virus
I got the corona virus health insurance from policybazaar. It covers all the expenses which is related to corona virus. The expenses are increasing day by day and also the corona attacks too. I just want to make a safer move and took a health insurance policy for me and my family. Thanks team for such great initiative.
East Champaran, May 15, 2020