*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
To support the war against coronavirus, the authorities in the India have announced various measures to make the testing simpler for everybody. This includes free testing at all government-designated laboratories. Those who have coronavirus health insurance can also get the facility of free tests at the network hospitals. Most of the health plans also cover the treatment costs to some extent.
The following are the categories that are eligible for free tests in India.
In case you do not fall under any of the above categories; however, you have developed certain symptoms, kindly let your supervisor know and look for medical attention.
You can also call on the following helpline numbers designated by the government and the report symptoms you have noticed.
In case the result of the test is negative, the quarantine period of 14 days begins while following any one of these 2 tracks.
In case the result of the test is positive, the isolation period of 14 days begins. You need to follow the steps below.
The people having health insurance policy including COVID-19 may have the option of claiming the expenses of the treatment in most of the cases.
The Ministry of Health and Family Welfare, Government of India has stated that they had already started expanding the scope of coronavirus testing for limiting its spread and maintaining the health & well-being of all the community members.
They have been directing that those people wish to get tested must go to the testing centers in their local vicinity, after getting an appointment scheduled. Moreover, people living in the high-population areas can also get a visit from private labs for running their tests in the security of their houses.
Covid-19 testing is done at private labs all over India but they are possible only after it is prescribed to you by a qualified & reputed doctor. The guidelines are laid by the ICMR also known as the Indian Council of Medical Research. The costing of COVID-19 tests in a private lab would be Rs 4500/- only. Earlier, the prices were not fixed and that became and issue for the people. It was later decided to keep it fixed at Rs. 4500/- only. The first test will cost Rs 1500/- and the second test would cost around Rs. 3000/-.
The Indian Council of Medial Research has also stated that COVID-19 testing should either be free or should be at a nominal rate which would help the people during these troubled times. The guidelines will also be revised from time to time. The COVID-19 test results are also provided within 48 hours whiles some private laboratories which are approved by the govt. can provide the test results in around 24 hours.
This cover helps the poor and the needy get the health cover free during these horrifying times. The PMJAY offers protection in rural and urban areas for the people who are very poor and needy. People such as rag pickers, laborers, rickshaw pullers, etc. can avail any medical treatment under this scheme. The scheme was introduced as to cover any cost for the COVID-19 treatment. People can have access to free testing as well as treatment in many government hospitals and private labs.
Also helping the government is the Insurance Regulatory Development Authority of India also known as IRDAI which has issued a notice to all the health insurance companies to cover the treatment and hospitalization of COVID-19. To avail this free testing under the Pradhan Mantri Jan Arogya Yojana or PMJAY, the receiver must once bet tested positive for the Novel Corona Virus and he/she needs to be admitted in one of the hospitals that come under the network hospitals by showing their PMJAY ecard. You can also check you are a receiver under this scheme by calling the following number – 14555.
Process of Testing
In case you need to or want to get a coronavirus test done, you can book an appointment by calling on the numbers mentioned above. The authorities will test the ones on priority who are suspected to be affected by the novel virus and the ones who seem to be the most vulnerable to it, like pregnant women, those having chronic illness, and elderly people. Those with health insurance plans can check with their providers for the process and the criteria for things related to COVID-19.