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Coronavirus Health Insurance Policy

Coronavirus Health Insurance Policy
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It has been months now since the novel Covid-19 (coronavirus) is in news. The latest figures for confirmed cases of coronavirus around the globe are 49.5 million and 1.25 million people died due to coronavirus (as of 7th November 2020). In India, as of November 7, 2020, there are 8.46 million cases confirmed, and around 1, 26,000 people died due to Covid-19. It has become a matter of concern for the people after unlocks but around 77, 65, 966 patients have been cured and discharged in India.

Coronavirus health policy covers the medical expense related to the treatment of COVID-19. The coronavirus is a viral infection, so this insurance protects the policyholder from pre and post-hospitalization expenses within and outpatient expenses, which was incurred on the treating of COVID-19. This health insurance became active from the day the insured gets diagnosed with the diseases.

Types of Coronavirus Health Insurance Plans in India

You can look for a standard coronavirus health insurance policy that covers all hospital expenses that have been incurred during the treatment of coronavirus of the patients. The following are some standardized products that have been launched as per the IRDAI (Insurance Regulatory and Development Authority of India) guidelines. The health policy terms will remain similar across all the general and health insurance companies in India.

Corona Kavach Policy

This policy is a standard health insurance plan which covers expenses like hospitalization, home care treatment cost, ambulance charge, cost of PPE kits, Medicine, masks, gloves, doctor fees, ICU charges which can be incurred during the treatment of COVID- 19, this types of the plan starts from Rs. 50,000 and maximum go up to Rs. 5 lakhs this plan also include AYUSH Treatment.

Corona Rakshak Policy

This is also known as a COVID-19 specific health Insurance that covers expenses like hospitalization of a minimum of 72 hours and more as per requirement for the treatment, PPE’s, Nebulizer, masks, oxygen cylinder, gloves, oximeter, AYUSH treatment which are limited under another Insurance plan. This plan is available to the individual age group 18-65 with the sum insured minimum of Rs 2.5 lakhs to max Rs. 5 lakhs.

Coronavirus Group Health Insurance

If someone is covered under any other health insurance plan then we must ensure if it covers coronavirus treatment expenses.

Top Health Insurance Plans for Coronavirus (COVID-19) in India

Aditya Birla Health Insurance

Sum Insured- Min 2 lakhs Max-2 Crore

Network hospital – 6000+

Bajaj Allianz Health Insurance

Sum Insured – Min 1.5 lakhs And Max- 50 Lakhs

Network hospital – 6500+

Bharti AXA Health Insurance

Sum insured – Min 3 lakhs and Max – 5 lakhs

Networks hospital – 4300+

Is Coronavirus Covered Under The Existing Health Insurance Policy?

All existing health insurance policies will cover coronavirus health insurance. This means if we buy cover before testing positive then the plan will protect the policyholder and cover all the expenses relating to the treatment of COVID-19 but if we buy the cover after testing positive then it will not be covered under the policy.

Important Covers

  • In-Patient hospitalization
  • Pre hospitalization
  • Critical illness hospitalization
  • Accidental hospitalization
  • Daycare procedure

Standard Covers

  • Road ambulance
  • ICU room rent
  • Organ donor expenses
  • Daily hospital cash
  • Home hospitalization
  • Post hospitalization expense
  • Alternate treatment
  • Recovery benefit

Add-on Cover

Maternity benefits with newborn baby cover.


Many insurance companies started offering coronavirus health insurance policy cover in their insurance plans. Some companies are also providing insurance policy specifically for coronaviruses like Corona Rakshak and Corona Kavach. So, in this pandemic, it is important to buy the best health insurance plan because it will not only protect the individual but also protect the family.


Written by Saakshi Gupta

Saakshi Gupta is a BBA LLB student at the Fairfield Institute of Management and Technology (GGSIPU), New Delhi. Her passion for law and business brought her to pursue law. She has a keen interest in business law, environmental law and also wants to explore more in the field of law. Apart from legal academia, she is a volunteer at a govt. program (National Service Scheme).

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