Knowledge Centre

Health Insurance and Its Role During COVID-19 Outbreak

Last Published on 17/07/2020

We at HDFC ERGO cover hospitalization expenses for Coronavirus under all our health insurance plans subject to all terms and conditions of the policy. We cover pre-hospitalization expenses to post-hospitalization expenses seamlessly.

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 hospitalization expenses involved in getting treatment in case you suffer from Coronavirus. While you focus on a quick recovery, we take care of your medical expenses for hospitalisation, pre-hospitalization, and post-hospitalization as well. Quarantine just for isolation without any treatment is not covered.

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: You can make only accidental hospitalization claims under HDFC ERGO health insurance policy within the first 30 days from policy start date.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.
1.1 Crore+ Happy Customers
#1.1 Crore+ Happy Customers
Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Instant claim settlement
Immediate claim settlement

We pre-authorise cashless claims within 20 minutes`, which means you do not have to wait for long when it comes to claims serviving. We also settle reimbursement claim within 6 hours°.

 

Explore Our Health Insurance Plans For Coronavirus

my:health Suraksha Health Insurance
my:health Suraksha 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.

Corona Kavach Policy, HDFC ERGO
Corona Kavach Policy, HDFC ERGO

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 is covered?

Sum Insured rebound

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Hospitalisation expenses

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

AYUSH Benefits

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Pre & Post Hospitalisation

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Installment Benefit

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

Recovery benefit

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

What’s not covered?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

First 24 Months From Policy Inception
First 24 Months From Policy Inception

Few illnesses & treatments are covered after 2 years of policy issuance.

First 36 Months from Policy Inception

First 36 Months from Policy Inception

Declared and/or accepted pre-existing conditions at the time of application will be covered after first 3 years of continual renewals.

First 30 Days from Policy Inception
First 30 Days from Policy Inception

Only accidental hospitalisations shall be admitted.

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 cover medical expenses related to hospitalisation for treating Coronovirus.

Why do you need Corona Kavach Health Insurance Policy ?

Even if you take all the necessary precautions and follow all safety norms to avoid the coronavirus, it will be a wise move to prepare for any eventuality. With advances in healthcare facilities, medical expenses are also increasing every day, and in case of hospitalisation, you might end up losing a good chunk of your savings if you don’t have a health plan. Also, people with co-morbidities are more vulnerable to getting infected by the coronavirus. Not to forget, apart from COVID-19, there are many critical ailments that require a good sum of money for treatment. Hence, availing health insurance is always important,especially amidst a raging pandemic.

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
Corona Kavach Health Insurance, HDFC ERGO

Looking at the rising Coronavirus cases in the nation, quality healthcare and prompt medical treatment has become the need of the hour. Hence, (Insurance Regulatory and Development Authority of India (IRDAI) has announced the launch of Corona Kavach Policy and made it mandatory for all General & Standalone health insurance companies in India to offer this policy to its customers. This policy aims at covering hospitalisation, pre-post hospitalisation, home care treatment expenses and AYUSH treatment in case anyone is tested positive of Covid-19 infection. It is a standard health insurance plan designed to cover medical expenses arising due to Coronavirus Pandemic. With this standard health insurance plan for Coronavirus you don’t have to pay for the medical bills and get access to quality medical treatments. 

Corona Kavach Policy, HDFC ERGO UIN HDFHLIP21078V012021


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.


Coronavirus Health Insurance News

Why India should worry about post-Covid-19 care

India health authorities need to focus more on post-Covid care, experts say, especially as the problem is bound to grow as more and more people recover from the virus.

Source: BBC News | Published on 27 September 2020

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.
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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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