Knowledge Centre

Why should you buy a COVID-19 Specific health insurance plan ?

Published on 15th Aug 2020 EST Read time 4 Mins

You are hardly living your life, if you are constantly worrying about an unforeseen event that might disrupt your health, mental peace and financial stability. And in the wake of the COVID-19 pandemic, life has indeed become more stressful than ever. So, it is not enough to have a basic health insurance plan. You need COVID-19 health insurance plans that can protect you against the financial burdens that may arise in case you get infected and need extensive treatment. Since this is a novel disease, with no known cure, medical costs can quickly surge. Read on to know more about the reasons and benefits of buying such health plans.

Why buy a COVID-19 specific health insurance plans?

Buying a COVID health plan is important to protect yourself against the financial baggage that comes with treatment of the viral infection.

  • High Hospitalisation Charges are Covered: COVID treatment is not on the lines of a conventional treatment, and thus, requires intense medical attention. Moreover, affected patients are supposed to stay hospitalised for at least 15 days or till they get better. This high-end treatment and long duration can inflate the cost and lead to major hospitalisation charges. A COVID health plan is crafted to cater to these costs and help you receive the best of treatment.  The cover also includes PPE kits and oxygen supply.

  • Home Care Expenses are Covered: Patients with mild symptoms are advised to stay at home and isolate themselves in order to restrict the spread of the infection and heal as well. And these expenses are covered by specified COVID health plans so that you can continue with your treatment from the comforts of your home.

  • Hospital Daily Cash^: If you opt for Hospital daily cash, the Company shall pay the Insured Person 0.5% of sum insured per day for each 24 hours of continuous hospitalization for which the Company has accepted a claim. The benefit shall be payable maximum up to 15 days during a policy period in respect of every insured person.

  • COVID Check-Up and Diagnosis Coverage: If the policy holder is tested positive for Coronavirus, then he/she is eligible to make a claim for the diagnostic expenses. We cover diagnostic expenses undertaken at any Govt approved Lab or at home by authorised Lab experts.

  • AYUSH Benefits: Medical Expenses incurred for hospitalisation due to Coronavirus  under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured during the policy period.

  • Road Ambulance: Road ambulance is covered under Covid Hospitalization cover and is subject to a maximum of Rs.2000/- per hospitalization for the Ambulance services offered by a Hospital or by an Ambulance service provider, provided that the Ambulance is availed only in relation to Covid Hospitalization for which the Company has accepted a claim under section. This also includes the cost of the transportation of the Insured Person from a Hospital to the another Hospital as prescribed by a Doctor.

What is Corona Kavach Policy?

Corona Kavach policy a covid specific policy directed by Insurance Regulatory and Development Authority of India (IRDAI) to Insurers to cover all the hospitalisation expenses related to the novel Coronavirus.

This health insurance policy is all-inclusive and COVID-specific in nature, which covers hospitalisation, home care treatments, AYUSH treatment and pre and post hospitalisation charges for anyone who has tested positive for the novel coronavirus. The Corona Kavach Policy is a way to ensure that all those affected by it are covered financially and receive quality treatment at any COVID treatment centre/hospital.


Opting for COVID-19 health insurance plans is a smart way to secure yourself and your family against the impact of coronavirus. A comprehensive health plan may seems expensive, and hence you can opt to buy a COVID-specific cover for 3.5 months, 6.5 months, 9.5 months, or, 105 days, 195 days and 285 days respectively.

This  blog is written by Kavita Ganesh Asst. Vice President, Health & Accident Product Underwriting

About The Expert Dr. Kavita Ganesh holds over 15 years of work experience in health insurance industry. She highly recommends buying health insurance for securing finances in case of a medical emergency. Looking at the current pandemic situation, she enforces the idea of having a higher sum insured for covering the entire family.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales. Corona Kavach Policy UIN: HDFHLIP21078V012021

Terms and Conditions Applied. ^ Additional premium will be charged for optional cover UID No D2HI811

Awards & Recognition