Can’t find a hospital bed? Get COVID-19 Treatment at Home

A lot of people need hospital beds with oxygen for COVID treatment, but the shortage of medical facilities forces their doctors to recommend COVID treatment at home. There are some hospitals and companies that offer complete home ICU set-ups for critical patients. The charges are approximately around Rs 15,000 per day.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
6.7 crore
Registered consumers
Insurance partners
3.4 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform


Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      Usually, regular health insurance plans do not cover home treatment charges. They cover expenses if the hospitalization is for 24-hours and more and day-care procedures as mentioned.

      ‘But a special Coronavirus health insurance product i.e. Corona Kavach policy covers the cost of COVID treatment at home for the insured’

      So, if you are struggling to find a hospital bed, you can get the set-up done for your loved ones at your home. Let’s discuss how you can file a reimbursement claim for your COVID home-care treatment.

      Corona Kavach Policy



      Doctor’s fee, diagnostic, and pharmacy bills up to 14 days

      Home Quarantine

      Cost of Oxygen Cylinders and oximeters


       Domiciliary Hospitalization



      Doctor’s visit, medicines, and nursing charges

      Home treatment if beds are available

      Diagnostic procedures

      Expenses without invoices

      Corona Kavach pays for COVID Home Treatment Expenses

      If you have a health insurance policy that does not cover your home treatment charges then you can buy a Corona Kavach policy with sum insured options from Rs 50,000 to Rs 5 lakh. Corona Kavach policy – is a standard COVID-19 policy by IRDAI that is provided by all the health and general insurance companies in India. The policy tenure can be 3.5 months, 6.5 months, and 9.5 months.

      Home care treatment cover allows you to undergo the COVID-19 treatment at your home if it not possible in a hospital. The maximum days for which you get home treatment cover is up to 14 days.

      It is provided to those who have tested COVID positive and are suggested an active line of treatment. The cost of oxygen cylinders and pulse oximeters is also covered, which is not covered by most indemnity-based plans.

      Also, please note that home quarantine expenses are not covered. What you get paid for is home ICU and COVID-19 treatment to the sum insured amount without any sub-limits. All you need to furnish is a doctor’s prescription advising home treatment. It can also include diagnostic reports, doctor’s original prescriptions, and medicine bills.

      Home Care Treatment under Basic Health Plans

      Pays for

      Doesn’t Pay For

      Doctor’s fee, and medicines

      Unproven Treatments

      Diagnostic Tests

      Miscellaneous expenses like food

      Your first resort will be the standard health insurance that you have and the major setback is that not all health plans cover home treatment or domiciliary hospitalization. Only a few insurers offer such facilities.

      So, if you have a mild COVID infection that does not require hospitalization and you need to take treatment at home on Doctor’s advice then you can file a health insurance claim.

      But whenever such a situation arises be mindful of the policy terms and conditions at the time of claim. If it covers home healthcare, the policyholder i.e. you would need prior authorization from the insurer before you go ahead to ensure smooth claim support. As long as oxygen usage is towards a line of active treatment under medical supervision, it can be claimed.

      The cost of cylinders big question-

      The cost of oxygen cylinders as medical equipment is usually not reimbursed under basic health plans unless the co-morbidities are given a cover. If a policyholder showcases mild symptoms then also he/she can take COVID-19 treatment at home, while serious cases need to be admitted to the hospitals.

      In mild cases, the cost of medical supervision and medication is usually around Rs 15,000 to Rs 20,000.

      Post-bed recovery costs won’t be covered. Expenses related to rest and rehabilitation, nursing costs, dietary supplements, vitamins, and minerals are generally not reimbursed.

      However, you will have to be mindful of the conditions and exclusions while filing a claim. Remember you can only claim as far as oxygen is used for an active treatment under medical supervision.

      You can look for terms like home care or domiciliary hospitalization in your medical insurance policy.

      Coverage for Home Hospitalization

      However, several regular medical insurance plans include a domiciliary hospitalization cover. So, when you need to get hospitalized and it is difficult to find a hospital bed, you have to take Coronavirus treatment at home. And this is where you can file a claim.

      Domiciliary treatment cover is provided when no beds are available or the insured patient cannot be moved in an ambulance to a hospital. Therefore, some hospitals provide them home ICU set-ups that include doctor visits, IV support, nursing charges, etc. a daily chart is maintained based on which compensation is provided.

      If you are covered under Corona Kavach policy the coverage and reimbursement might be easier. But if it is a regular policy you would need proper documentation in place. The insurance company can ask for GST bills from the Company providing treatment at home. All the original bills and invoices need to be in place and the approval needs to be taken in advance.

      Home care can be challenging because very limited vendors provide full proof bills that can be used for reimbursement. As there are very few organized vendors providing such services with proper bills, therefore it is suggested to have a COVID-9 health plan with fixed benefit payout on testing positive. However, Corona Rakshak, which is a fixed-benefit policy, required a minimum of three days of hospitalization.

      Check for sub-limits

      If you have a basic health plan or coronavirus health plan check the sub-limits for home COVID treatment.  Like it can be 10% of your sum insured. Like Corona Rakshak only covers it after 3-days, but the treatment for coronavirus lasts longer than 10-14 days so it won’t be a hindrance. On the other hand, there are no sub-limits under the Corona kavach policies. So, you might want to go ahead with that.


      If you need homecare treatment or you think it will be wise to prepare for it in advance then you can buy Corona kavach policy online from Policybazaar. The coverage will start 15-16 days after your policy purchase date. For more details, you can write to us at

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

      Health insurance Articles

      • Recent Article
      • Popular Articles
      01 Jul 2024

      Surgeries Covered Under ICICI Lombard Health...

      Life can throw unexpected medical emergencies your way, making

      Read more
      27 Jun 2024

      Is LASIK Surgery Covered by ICICI Lombard Health...

      Waking up with a clear vision is a dream for many. LASIK surgery

      Read more
      21 Jun 2024

      Does ICICI Lombard Health Insurance Cover...

      Cataract surgery is an essential procedure for people seeking to

      Read more
      14 Jun 2024

      Father’s Day 2024: Gift Your Father Health...

      Father’s Day is celebrated every year on the third Sunday of

      Read more
      05 Jun 2024

      Does SBI Health Insurance Cover Dental Treatments?

      SBI General Insurance Company provides comprehensive coverage

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 All Rights Reserved.

      Download the Policybazaar app
      to manage all your insurance needs.