Will your health policies cover covid?The Insurance Regulatory and Development Authority of India (Irdai) had asked all insurers to accept any claims concerning the treatment of covid-19.
This simply means that your existing regular/comprehensive health insurance policy will cover covid-related medical expenses.
However only hospitalisation will be covered and not outpatient treatment. Your policy may also have sub-limits like room rent caps.
Several reports suggest that people with comorbidities such as diabetes, hypertension, cardiovascular ailments or kidney disease are at greater risk of contracting coronavirus.Are there covid-specific policies?Yes.