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Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
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How to Find the Right Health Insurance Policy for Coronavirus?

Every day we get to hear about the rising number of COVID positive cases in India and around the world. To fight Coronavirus disease, the demand for health insurance has also increased simultaneously. While everybody is taking precautions and following the social distancing rules, a health insurance cover is what you need to safeguard your loved ones from this pandemic in the best possible manner.

Nevertheless, many insurance companies have launched Coronavirus health insurance policies. And to find the right health cover with an adequate sum insured you need to follow an informed selection process. In this article, we have listed some useful tips that will help you buy the best health insurance plan for COVID treatment.

Factors to Take Care of while Selecting Coronavirus Health Insurance Plan

Though all the medical insurance products that insurance companies provide include in-patient treatment cover, it is still recommended to follow the tips given below. You can use these tips while looking for the best Covid-19 insurance policy in India. Check out the factors that play an important role in helping your select a perfect Coronavirus health insurance plan in detail:

1. Adequate Sum Insured Amount

COVID health plans usually provide a financial cover up to Rs 2 Lakh. When selecting a COVID-19 health plan the one thing that is most important is the adequacy of the sum insured. It should be enough to cover your medical treatment costs and should minimize your out-of-the-pocket expenses.

What you can do is analyze the coverage amount of the health insurance plan based on the dependent family members, their medical history, family income, liabilities, etc.

2. The Cost of the Premium

Honestly, we all want to buy a health plan that doesn’t hurt our pockets and provides adequate financial cover as well. And it will not be wrong to say that Covid-19 has affected hundreds of households around the world in terms of both health and income. To overcome such a situation, it becomes essential to buy a health insurance cover that doesn’t charge you a bomb.

Hence, you can choose a health plan that strikes balance between the affordability quotient as well as health coverage. The best health insurance policy for Covid-19 would be the one that provides adequate health cover without charging a higher premium.

3. The Right Insurer

The authenticity and the premium paying capability of the insurer is also an important factor in evaluating the best health insurance plan for Coronavirus. You can analyze the reliability of the insurer by knowing the Solvency Ratio, Claim Settlement Ratio (CSR) and Incurred Claim Ratio of the company.

These ratios tell the insurer’s claim paying and settlement abilities and the financial standing.  You can select an insurer who is performing well as per all the ratios.

4. Quick and Hassle-free Online Purchase

Another important aspect that you need to consider while selecting the best insurance for the Covid-19 is the online purchase and renewal process. During the times of Coronavirus pandemic, the insurer must provide the ease of online purchase. Both the purchase and the claim process should be fast and convenient.

Simply put, find a health plan that can be purchased online with simple steps in minimal time. Also, look for a plan that involved minimum paperwork at the time of claim settlement. It reduces the burden on the affected family during such difficult times.

5. After Sale Service

When choosing the best Coronavirus plan, you also need to find select an insurer that holds a positive record of customer services. You can go through the customer reviews online on or speak to our sales representatives regarding the health insurance customer service. During the time of the Covid-19 pandemic, it will be helpful to be associated with an insurance company that is known for its seamless customer service and ensures fast redressal of buyer’s grievances.


Having the right Coronavirus health insurance policy is a vital solution to counter the effect of the virus. As coronavirus continues to impact the entire world, it becomes a necessity more than a choice. Now that you are aware of the factors that are going to help you find a suitable COVID health policy for you, go ahead and select the right help plan today from

Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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