Coronavirus health insurance is a health insurance cover that provides you coverage for all the treatment expenses of COVID 19. Having health insurance with coronavirus coverage helps you to be prepared for future uncertainty and fight with a hidden enemy.
Be Ready To Fight With a Hidden Enemy, #Coronavirus(COVID-19)
What is Coronavirus (COVID 19)?
According to WHO, Coronavirus (COVID-19) is an infectious flu disease caused by a newly discovered coronavirus. Most of the people who are infected with COVID-19 (Coronavirus) will experience mild to moderate respiratory illness and get recovered without any special medical treatment.
Coronavirus spreads through droplets of saliva or discharge from the nose when an infected person coughs or sneezes. So the best way to stop coronavirus from spreading more is to stay home and follow the guidelines of social distancing.
At this time there are no vaccines or special treatment available for Coronavirus.
Why Coronavirus Health Insurance a Must During COVID-19?
During COVID-19 we all should be ready for future medical emergencies with a health insurance cover. Due to coronavirus, we are witnessing that the world is fighting with an invisible enemy. So as you can see we all are now limited to our home due to lockdown. And, due to lockdown, the world economy is affecting very badly.
So when we are facing a bad economic condition, dealing with a medical emergency is very tough without health insurance. But if we plan prior to deal with medical emergencies, we can fight with this hidden enemy. And Coronavirus health insurance is the best way to be ready for all medical emergencies.
Health Insurance with Coronavirus Coverage Key Features
- Pandemic Cover: As per IRDA, all the health insurance companies must cover coronavirus(COVID-19).
- Cashless Treatment: All the health plans come with the cashless treatment facility. It means you can admit in any of the network hospitals to get cashless treatment for coronavirus.
- Pre and Post Hospitalization: It also covers all the express that you incurred pre and post-hospitalization.
- Maternity Health Insurance: Nowadays many of the health plans provide you maternity coverage, but with a 2 to 4 years waiting period.
- Additional Riders: You can add some additional insurance riders with health insurance plans to cover more diseases by paying a little more premium.
- Reimbursement: If you get hospitalized at any of the non-network hospitals, you can file reimbursement of all the expenses that you incurred. If this situation, you(policyholder) have to pay all the bills to the hospital directly by own pocket. Later you can file reimbursement claim by submitting the required documents.
- Room Rent Capping: Most health insurance plans come with no room rent capping.
- No-Claim Bonus: If you don’t make any claim, you will be eligible for a no-claim bonus for every claim-free year.
Will My Existing Health Policy Covers Coronavirus?
If you already have a health insurance policy, the insurer must cover the treatment for the coronavirus. However, if a person purchases health policy after infected with coronavirus, in this case, the person can not claim for the cover.
How To Get a Health Insurance During COVID-19?
As we all know due to lockdown we can not go out and also we need to follow social distancing guidelines. But you should not worry about it because buying health insurance online is very easy.
Just compare online health insurance plans and buy online with Easypolicy.com. Stay at your home, stay safe and buy health insurance from your home online without any medical test or pre-screening.
FAQ (Frequently Asked Questions)
Yes, If you already have a health insurance policy, your existing policy will cover treatment for the coronavirus and you not need to buy any extra policy.
Buying a health insurance policy online is very easy. Simply compare health insurance plans by clicking here and our health experts will help you to opt for the best policy.
The most common symptoms of Coronavirus(COVID-19) are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat or diarrhea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don’t feel unwell. Most people (about 80%) recover from the disease without needing special treatment.
Protection guidelines for everyone
Stay aware of the latest information on the Coronavirus(COVID-19) outbreak, available on the WHO website and through your national and local public health authority. Many countries around the world have seen cases of COVID-19 and several have seen outbreaks. Authorities in China and some other countries have succeeded in slowing or stopping their outbreaks. However, the situation is unpredictable so check regularly for the latest news.
You can reduce your chances of being infected or spreading COVID-19 by taking some simple precautions:
Regularly and thoroughly clean your hands with an alcohol-based hand rub or wash them with soap and water.
Why? Washing your hands with soap and water or using alcohol-based hand rub kills viruses that may be on your hands.
Maintain at least 1 meter (3 feet) distance between yourself and anyone who is coughing or sneezing.
Why? When someone coughs or sneezes they spray small liquid droplets from their nose or mouth which may contain the virus. If you are too close, you can breathe in the droplets, including the COVID-19 virus if the person coughing has the disease.
Avoid touching eyes, nose and mouth.
Why? Hands touch many surfaces and can pick up viruses. Once contaminated, hands can transfer the virus to your eyes, nose or mouth. From there, the virus can enter your body and can make you sick.
Make sure you, and the people around you, follow good respiratory hygiene. This means covering your mouth and nose with your bent elbow or tissue when you cough or sneeze. Then dispose of the used tissue immediately.
Why? Droplets spread the virus. By following good respiratory hygiene you protect the people around you from viruses such as cold, flu and COVID-19.
Stay home if you feel unwell. If you have a fever, cough and difficulty breathing, seek medical attention and call in advance. Follow the directions of your local health authority.
Why? National and local authorities will have the most up to date information on the situation in your area. Calling in advance will allow your health care provider to quickly direct you to the right health facility. This will also protect you and help prevent the spread of viruses and other infections.
Keep up to date on the latest COVID-19 hotspots (cities or local areas where COVID-19 is spreading widely). If possible, avoid traveling to places – especially if you are an older person or have diabetes, heart or lung disease.
Why? You have a higher chance of catching COVID-19 in one of these areas.