Health Insurance and Its Role During COVID-19 Outbreak

Published as on 03/4/2020

We at HDFC ERGO cover hospitalization expenses for Coronavirus under all our health insurance plans subject to all terms and conditions of the policy. Everything from pre-hospitalization expenses to post-hospitalization expenses incurred for diagnostic and consultation etc gets covered with us seamlessly. We also cover quarantine related medical expenses, if tested positive for Covid-19 and recommended by a registered medical practitioner, in a registered medical facility as per the terms and conditions of the health insurance product. 

Health insurance in this situation will be highly beneficial, as it will provide cover against expenses that you may incur in order to get the required treatment. There are numerous hospitalisation expenses involved for getting treatment in case you suffer from Coronavirus. While you focus on quick recovery, we take care of your medical expenses by covering diagnosis, consultation costs at the time of pre hospitalization and post hospitalization as well. Quarantine just for isolation without any treatment is not covered. We also cover the confirmatory tests for COVID-19 as part of hospitalization and pre/post-hospitalization claim. However, note that daycare procedures or Domiciliary treatments are not covered for COVID-19.

If you already have a health insurance plan with HDFC ERGO, we will cover hospitalization expenses due to Coronavirus. Click here to explore our Health Insurance Plans

Note: Every policy offered by HDFC ERGO comes with a waiting period of one month for making a claim against non-accidental hospitalization. Please refer to your policy wordings, brochure for a detailed list of inclusion and exclusion. The above information is for illustrative purposes.

 

 

Reasons to choose HDFC ERGO Health Insurance for Coronavirus Hospitalisation

No room rent capping
No room rent capping
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
Wide network of cashless hospitals
Wide network of cashless hospitals
We have a huge tie-up with 10,000+ cashless network hospitals to make sure you don’t have to pay for medical bills. With cashless facility, you can get coverage for hospitalisation without paying out of your pocket.
COVID-19 diagnostic expenses covered
COVID-19 diagnostic expenses covered
We cover COVID-19 medical test expenses under all our health insurance plans. When there is hospitalization for the treatment of COVID-19, confirmatory test will be covered as part of hospitalization and pre/post hospitalization claim.
Quarantine Hospitalisation Covered
Quarantine Hospitalisation Covered

Quarantine expenses are covered for treatment in a registered medical facility as per the T&C* of the health insurance policy. Isolation/quarantine without any treatment is excluded.

 

Explore Our Health Insurance Plans For Coronavirus

Recommended Health Insurance
Recommended Health Insurance

A health insurance plan,which pays for your medical expenses related to hospitalisation on the basis of medical treatment expenses,is called as indemnity plan or base health insurance plan.

Family Health Insurance
Family Health Insurance

Ensure quality health care for your dear ones without disturbing your savings. Our family health insurance plans, ensure all round health protection at an affordable premium.

Super Top–up Health Insurance
Super Top–up Health Insurance

What if you have multiple health insurance plans like a personal base plan or an employee health insurance plan and wish to just get additional sum insured at a low premium then a super top up plan.Our my:health Medisure Super-Top up is the right top up plan.

What’s Included under Coronavirus Hospitalisation?

Sum Insured Rebound
Sum Insured Rebound

Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

Hospitalisation Expenses
Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly.

Pre-hospitalisation Cover
Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.

Post-hospitalisation Cover
Post-hospitalisation Cover

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.

Alternative Treatments (Non-Allopathic)
Alternative Treatments (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

Home Healthcare
Home Healthcare

If your doctor recommends treatment at home, you can avail the services right at your home that too with ^^^cashless facility.

Recovery Benefit
Recovery Benefit

We pay out a lump sum amount of Rs.5000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.

Road Ambulance Cover
Road Ambulance Cover

Transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.

Organ Donor Expenses
Organ Donor Expenses

For a noble deed as organ donation, we cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.

For detailed inclusion and exclusion of health insurance plan please refer the sales brochure/policy wordings

"if tested positive for COVID-19 and recommended by registered medical practitioner

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Things you should know about Coronavirus

Coronavirus has indeed caused a huge threat in the world, making it a global health concern. It is a severe respiratory infection, which can be transmitted between animals and people. Common signs of infection include respiratory symptoms, fever, cough and breathing difficulties. In more severe cases, infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and even death. Basic recommendations include regular hand washing, covering mouth and nose when coughing and sneezing, thoroughly cooking meat and eggs. Avoid close contact with anyone showing symptoms of respiratory illness such as coughing and sneezing. All HDFC ERGO health policies offering inpatient hospitalisation treatments cover medical expenses related to hospitalisation for treating Coronovirus.

Know more about Coronavirus : Precaution & Prevention Measures

Know more about Coronavirus : Precaution & Prevention Measures)
Know more about Coronavirus : Precaution & Prevention Measures
Know more about Coronavirus : Precaution & Prevention Measures

Difference between Quarantine | Self-Isolation | Social Distancing

Quarantine Process
Quarantine Process

Quarantine is a process where you are isolated and kept under observation to monitor the health vitals. It can be done by your own self or by Govt. Health Authorities, if you have suspected symptoms or you have traveled from a country which was highly impacted by Coronavirus or have been in physical contact with an infected person.

Self Insolation
Self Insolation

If you feel suspicious about your health symptoms or you have travelled from a country, which was highly impacted by Coronavirus then you can isolate yourself from others and avoid being out in the public as a protective measure, so that you don't become a carrier of the virus.


Social Distancing
Social Distancing

You can distance yourself from crowded areas and avoid social gathering and meeting people, so as to take precautionary measures and avoid the spread of contagious Coronavirus.


Frequently asked questions

We have listed the specific measures that you need to take to prevent getting affected from Coronavirus. Also, we also recommend buying a health insurance plan so that in future if you or any of your family members experience any of the commonly faced symptoms, you could seek medical assistance and get your expenses covered with an insurance plan.
You can stay prepared to tackle the Coronavirus Pandemic by following a set of precautionary measures, along with social distancing, cleaning your home and surroundings frequently will help you stay prepared. Make sure you report minutest respiratory ailment or cold/cough symptom to your Doctor. We also recommend buying a health insurance plan so that in future if you or any of your family members experience any of the commonly faced symptoms, you could seek medical assistance and get your expenses covered with an insurance plan.
As of now the most common faced initial symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may also experience headache and pain, nasal congestion, runny nose, sore throat or diarrhea.
No, the symptoms of Coronavirus are more or less the same amongst adults and children
It all depends upon where you are and what's the intensity of the pandemic in your area. If you are living in, or visiting, these areas the risk of catching COVID-19 is higher. If you have come in contact with someone who is suffering from Coronavirus or has travelled from an affected country, then you need to get yourself checked.
At the time of Coronavirus Pandemic, we understand your worry. However, its important to follow precautions and not panic. All that we would recommend is that having a health insurance plan in place could help you beat medical expenses if at all hospitalisation is needed in future to treat this ailment. HDFC ERGO health insurance does cover coronavirus related medical treatment expenses.
Coronaviruses is a huge family of viruses that can cause illness in animals or humans. One of the most recently discovered coronavirus disease is named as COVID-19.
Coronavirus can spread from person to person through small droplets from the nose or mouth, which are spread when a person with COVID-19 coughs or exhales. Once these droplets fall on objects and surfaces around other people, they can catch the virus by touching these objects or surfaces, then touching their eyes, nose or mouth. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. This is why it is important to stay more than 1 meter (3 feet) away from a person who is sick.
Unfortunately, at the moment anyone who has mild symptoms are able to get treated and recover but there isn't any full-proof cure for the new coronavirus.
To protect yourself against Coronavirus symptoms, it is important you follow the precautionary measures and advisories such as social distancing, washing hands for 20 seconds, covering your face and mouth while sneezing and coughing and getting yourself tested if you observe mild symptoms of coughing and breathlessness.
No. The virus that causes COVID-19 and the one that caused the outbreak of Severe Acute Respiratory Syndrome (SARS) in 2003 are closely related to each other genetically, but the diseases they cause are quite different. Undoubtedly, SARS was more deadly but much less infectious than COVID-19. However, there have been no outbreaks of SARS anywhere in the world since 2003. "
You should ideally be wearing a mask only if you are suffering from Coronavirus or taking care of someone who is suffering from Coronavirus. There is already a huge shortage of masks its important to use masks vigilantly.
The incubation period for COVID-19 is close to 2-14 days.
Coronavirus lasts long on metal and plastic surfaces as compared to natural absorbents like paper or cloth. A new analysis found that the virus can remain viable in the air for up to 3 hours, on copper for up to 4 hours, on cardboard up to 24 hours and on plastic and stainless steel up to 72 hours. Though this may not be confirmed, but a possible lasting duration of the viruses. 5
The word Novel pre-fixed to Coronavirus means that the type of Coronavirus is different from others in the same family of viruses. What this means is that there are different types of Coronavirus, but this one is not yet known to humans, therefore dubbed a “novel” virus. The official name however is COVID-19.
According to World Health Organization, there are different processes and purposes, for naming viruses and diseases. Its based on the genetics, its development and diagnostics. Initially ICTV, it was termed as severe acute respiratory syndrome coronavirus 2, however considering the impact of SARS in Asian countries in the past the virus had been renamed to COVID-19 as per WHO's regulation and norms. WHO announced “COVID-19” as the name of this new disease on 11 February 2020.

More information on Coronavirus Pandemic

To know about the Myths Associated with Coronavirus

There are a lot of things that we keep hearing from everyone around or read forward messages on instant messenger or social media, however it is important to understand that most of these information are far away from truth.

List of Nearest Hospital to visit

In case you experience commonly faced symtoms such as cold, dry cough, breathelessness or fever the report it to your nearest hospital.                     

Important Note
Please note that the above information has been fetched after a detailed research from Govt health website and WHO portal. We do not advise or offer any medical advise, this page is for awareness and information only. Always seek a medical advice if you feel unwell..

 

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