COVID-19 Recovered Patients Cannot Buy Health Insurance Immediately

India witnessed the deadly second wave of the COVID-19 pandemic in 2021 with lots of fatalities. However, most people recover from COVID-19 with little care and some medication. Only in severe cases, hospitalization is required and a coronavirus health insurance policy takes care of the bills. But did you know that buying health insurance is not easy for a COVID-19 recovered patient?

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*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

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      Most health insurance plans cover medical expenses arising out of the treatment of COVID-19. Insurance companies have also introduced coronavirus-specific health plans - Corona Rakshak and Corona Kavach plans - to provide the COVID-19 patients with necessary financial assistance during these testing times. However, once the patient has recovered from COVID-19, health insurance may not be readily available.

      Health Insurance May Be Unavailable for Recently Recovered COVID-19 Patients

      COVID-19 warriors who may be looking to buy a health insurance policy soon after recovery may not be eligible to do so. Most health insurance providers in India have decided not to sell health plans to recently recovered COVID-19 patients for a certain time period. They are adopting stringent underwriting rules for applicants who have just recovered from COVID-19 by incorporating a cool-off period. While most insurers need the COVID-19 recovered patients to wait for at least six months after their recovery before their health insurance proposal form will be accepted, some insurers have a cool-off period of three months only. 

      The reason behind the cool-off period is the insurers’ unfamiliarity with the long-term effects of coronavirus on recovered patients. Coronavirus is known to have a long-term adverse impact on major organs of the patient, including lungs and heart. However, the extent of the impact on the patient’s body is still not known by the medical fraternity. Medical experts are still learning about the new implications of coronavirus on recovered patients in this second wave of the COVID-19 pandemic. This makes it difficult for insurers to estimate the risk level of a COVID-19 recovered patient. As a result, a cool-off period has been made compulsory for COVID-19 warriors after which the insurers will accept proposal forms from such applicants.

      However, not every insurer is in favour of a cool-off period. A couple of insurance providers are issuing health insurance policies to COVID-19 recovered patients with no cool-off period. They are willing to accept health insurance proposal forms from applicants who were diagnosed with COVID-19 immediately after their recovery. Such insurers claim that their team of underwriters comprise of highly qualified doctors and they have not kept any cool-off period for COVID-19 recovered patients after analysing the relevant data. Besides, they also believe that the insurance industry needs to be more inclusive to increase the health insurance penetration in the country. 

      Disclosing Medical History and COVID-19 Diagnosis 

      Cool-off period or not, all COVID-19 recovered applicants need to honestly disclose their medical history in the proposal form. Hiding about getting diagnosed with COVID-19 or not providing details of pre-existing conditions may lead to rejection of the proposal form. Every applicant will need to provide documents proofs to support their medical history and recovery from COVID-19. Recently recovered COVID-19 patients will have to submit a COVID-19 negative report and hospital discharge summary (if admitted) as evidence to the insurer. If required, the insurer will contact the applicant for obtaining more details.

      In some cases, COVID-19 recovered applicants may also be asked to undergo a few medical tests before the health insurance policy is issued. Usually, an applicant is asked to undergo pre-policy medical tests based on their age, pre-existing conditions, etc. But COVID-19 recovered applicants will have to undergo specific medical tests so that the insurer can estimate their health condition. Depending on the disclosed medical history and test reports, the insurer will decide to accept, reject or postpone a proposal form from a COVID-19 recovered patient.

      However, not every COVID-19 recovered patient will be asked to undergo a medical test if they plan to buy a health insurance policy. This is because pre-policy medical tests for applicants diagnosed with COVID-19 is not mandatory.

      In a Nutshell

      The COVID-19 pandemic has created havoc in the entire world. The coronavirus not only weakens the patient’s body physically but also drains them mentally as they need to isolate themselves. Unfortunately,  the trouble may continue for recently recovered COVID-19 patients who wish to purchase health insurance for themselves. Chances are that they will have to wait for at least three to six months to buy health insurance as most insurers are not keen on selling policies to recently recovered COVID-19 patients. Moreover, they may have to undergo a few medical tests before buying the policy. Since a few health insurance providers do not have a cool-off period for COVID-19 recovered patients, such people can consider buying health insurance from these insurers.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

      06 Sep 2022

      As we grow old, the chances of developing a disease or a medical...
      Read more
      Benefits of Multi-Year Health Insurance Plans

      25 Aug 2022

      Ever since COVID-19 entered our lives, health insurance has come...
      Read more
      Does Health Insurance Cover Monkeypox?

      25 Jul 2022

      Monkeypox is the latest disease to make its way to India while we...
      Read more
      List of Diseases Covered by Bajaj Allianz Health Insurance Plans

      05 Jul 2022

      Barely any person has remained unaffected due to rising health...
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
      Read more
      Best Health Insurance Plans in India 2022
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      Best Health Insurance Plans for Senior Citizens in 2022
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL