COVID-19 or coronavirus has been on our minds ever since 2020 started. The disease was declared a pandemic within weeks and millions of people have been infected globally. In fact, the curiosity and concerns among individuals regarding COVID-19, its implications, precautions and coronavirus health insurance coverage still refuse to die down. Therefore, here is a list of 20 most-asked questions about coronavirus.
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Who would you like to insure?
Do you have an existing illness or medical history?
This helps us find plans that cover your condition and avoid claim rejection
What is your existing illness?
Select all that apply
When did you recover from Covid-19?
Some plans are available only after a certain time
Ans: COVID-19 pandemic is the ongoing coronavirus pandemic that started from China and has now spread across the world. The disease causes severe acute Respiratory Syndrome Coronavirus 2 (SARS-CoV-2), that produces pneumonia like symptoms. Thought the recovery rate from coronavirus has increased, as there is no fixed treatment for this deadly virus that has led to millions of deaths worldwide.
Ans: Two specific coronavirus health plans have been launched recently i.e. Corona Kavach and Corona Rakshak coronavirus health plan. The IRDAI has asked all the general and health insurance companies in India to launch this product to specifically cover COVID-19 pandemic treatment in India. Corona Kavach health policy for coronavirus offers cover to families up to Rs 5 Lakh.
Whereas, the Corona Rakshak health insurance plan offers coverage on an individual basis, and requires hospitalization of minimum of 72 hours. Both plans cover the cost of hospitalization, doctor fees, ICU, room, and nursing charges. The cost of PPE kits, masks, gloves, ventilators is also covered. If you already have a health insurance plan then you can check with your insurer of the cost of consumables like PPE kits, masks, ventilators, is covered or not. You can also check if the cost of home hospitalization or Ayush treatment is included. Else you can buy any of these specific coronavirus health plans as per your preferences.
Ans: As per the World Health Organization (WHO), people of all the age are at risk of getting infected with coronavirus. However, people above 60 years and those with pre-existing medical conditions such as diabetes, asthma, obesity, and cardiovascular ailments are more vulnerable to getting critically ill with COVID-19. Therefore, it has been advised that all the people maintain hand and respiratory hygiene and maintain social distancing.
Ans: As per the preliminary data and reports, the recovery time from the beginning of the infection to clinical recovery for mild cases is nearly 2 weeks, and for critical and severe patients the recovery period can range from 3 weeks to 6 weeks.
Ans: As there is no fixed treatment available for COVID-19, and without the availability of the vaccine, COVID-19 imposes serious health threats. Although the recovery rate has improved in mild cases, lakhs of people have lost their lives succumbing to COVID-19. The disease can be fatal in rare cases especially for older people, and individuals with pre-existing illnesses such as heart ailments, high blood pressure, and diabetes remain more vulnerable.
Ans: If you do not have a health insurance policy then you should buy a coronavirus health plan. And if you have a medical insurance cover then check your policy terms and benefits if it offers adequate COVID-19 treatment cover including the cost of ventilators, PPE kits, gloves, oximeters, etc. The cost of these consumable items can significantly add to the cost of treatment.
Ans: As of now, there has been no evidence of transmission of COVID-19 infection through food.
Ans: Coronavirus can cause different symptoms and headache is one of the most common symptoms among COVID-19 positive people. It can range from mild cough, sore throat, fever, to pneumonia.
Ans: As of now there have been lesser cases of COVID-19 among babies around the world. However, it does not rule out the possibility of them catching the infection. People of all ages are prone to coronavirus if they not follow safety protocols.
Ans: Hand hygiene is one of the most important measures that have been prescribed to curtail the spread of this deadly virus. WHO has recommended washing hands with soap and water for a minimum of 20 seconds as hands and touched surfaces can easily pick up any virus. Once it is contaminated, it can get into your body upon touching your face, nose, and eyes.
Ans: It is possible to get infected with coronavirus if you touch a contaminated surface (doorbell, table, doorknobs, etc.), which has been touched by a COVID-19 positive person and then touch your face, nose, and eyes.
Ans: Three most common symptoms of coronavirus are:
Ans: If you are facing severe symptoms are not able to breastfeed your child directly, then you can use express milk formula that suits your infant till you recover. It is suggested that you consult your medical practitioner during such complications.
Ans: To reduce anxiety and stress, a lot of people are adapting to meditation and relaxation practices. Breathing exercises, yoga, and relaxation techniques can help you balance your state of mind and reduce hypertension symptoms also. If you can practice it regularly during this time of pandemic then you will be able to drastically reduce the mounting stress.
Ans: Yes, COVID-19 symptoms are more severe in comparison to seasonal flu or influenza. This is a new type of virus for which people have not developed immunity, while people across the globe have developed immunity towards seasonal flu strains. As per reports, only 1% of deaths have been reported globally due to flu, whereas 3.4% of deaths have already been reported due to COVID-19.
Ans: At present, there has been no evidence of catching coronavirus through drinking-water or sewage.
Ans: As per the WHO guidelines, all the COVID-19 positive cases including patients with mild symptoms should be isolated in medical facilities, to prevent community transmission. As the situation worsens, the hospitals are already overwhelmed, and in such a situation, priority is given to critical patients facing difficulty in breathing and older patients with underlying conditions. Almost 80% of people are getting recovered without the need of any special treatment, and 20% are critically ill including deaths. And 1 out of every 5 people are getting infected with COVID-19 and develop breathing difficulties and therefore require hospital care.
Ans: Firstly, have him/her wear a face mask and isolate the ill person from others in a separate room or area at the workplace untill it is examined by a doctor. Then immediately report to your concerned state health authorities on 1075.
Ans: For any coronavirus related queries, you can call 24X7 helpline number of your State Helpline/Ministry of Health & Family Welfare's at 011-23978046 or 1075.
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