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Health Insurance for Coronavirus: COVID-19 Cover

Health cover for COVID-19

Health Insurance covering Coronavirus
Health Insurance for Coronavirus (COVID-19) by Bajaj Allianz

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What’s in it for you?

Income tax benefit under Section 80 D

Coverage for in-patient expenses

Coverage for Pre and Post hospitalization expenses

Health Insurance for Coronavirus

COVID-19 or coronavirus is a contagious disease that spreads via droplets from the cough or sneeze of an infected person. As of June 17, 2020, a total of 7.94 million people have been affected by the coronavirus disease all over the world. If we talk about India, the number of cases have increased rapidly from just 3 cases in February 2020 to 354,065 cases in June 2020 and these numbers are still going up at an exponential rate.

As of now, there is no treatment available for curing the patients infected with coronavirus and the hospitalization expenses are very high. But, if you have a health insurance policy, you can take care of these hospitalization expenses and avoid the stress of financial burden. In India, most of the health insurance policies cover you in case you fall ill due to any viral infection. And, since coronavirus is a viral infection, your health insurance plan can provide you the required coverage.

It is important that you have a health insurance plan during this COVID-19 outbreak, as the health insurance also has waiting period, and the coverage will start only after this waiting period gets over..

All You Need to Know About Health Insurance plans covering Coronavirus

A health insurance policy is a protection from the expenses that one incurs in case of medical emergencies and hospitalization due to any illness. If you don’t have a health insurance policy, then, you would have to bear the medical expenses from out of your pocket. However, with a health insurance policy, you can be free from the financial burden that may be levied upon you. You can select a suitable health insurance plan based on the coverages it provides, the premium that you need to pay towards that policy and a few other parameters such as number of network hospitals, quick claim settlement, digital presence of the insurance company and the available add-on covers.

Health insurance plans that cover treatment costs of Coronavirus infection cover you and your family members if you get infected with COVID-19. The coverage starts from the day you get diagnosed with COVID-19 infection. However, this health insurance has a standard waiting period. If you get diagnosed with the coronavirus infection after the waiting period, only then will you be covered under your health insurance. An important thing that you should note is that you should get health insurance when you are healthy and fit to cover the hospitalization expenses in case of COVID-19 infection. Because if you purchase the health insurance plan after getting diagnosed with the disease, then it will be considered as a pre-existing illness and your policy will exclude the coverage for the same.

Why Buy Health Insurance  that covers Coronavirus from Bajaj Allianz?

We at Bajaj Allianz understand the pain that you go through when you fall ill or have to get admitted to hospital for any health related emergency. So, we make sure that we care for you and support you as much as we can. With our health insurance plans that covers treatment expenses of Coronavirus infection, we assure you that you will get complete protection, as this plan will cover you and your family members comprehensively and help you to fight against the COVID-19 treatment expenses.

Our health insurance plans offer extensive coverage at affordable premium rates. With  these, you get the following features and benefits:

  • Network hospitals

    With our 6000 + network hospitals, we make sure that you get the best treatment with cashless claim facility.

  • Buy and renew your health insurance policy with our Caringly Yours App

    With our Caringly Yours App, we make it easy for you to buy and renew your health insurance policy. You can also file a claim using the app and track the status of your claim.

  • Health CDC (Claim by Direct Click) feature

    The Health CDC (Claim by Direct Click) feature of our Caringly Yours app lets you settle claim up to INR 20,000 from your mobile.

  • Hassle-free claim settlement

    We have our own in-house claim settlement team that makes your clam settlement process quick and hassle-free.

  • Income tax benefit

    You also get income tax benefit under section 80 D of the Income Tax Act.

Individual Health Insurance with a range of benefits. Watch the video to know more.

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

You can either file a cashless claim or submit your medical bills and opt for reimbursement claim process against your health insurance plans covering COVID-19. We assure you that both these claim processes are quick, easy and smooth. You can opt for any of the claim settlement method as per your convenience. Have a look at the steps that you need to take to file claim under health insurance plans covering  COVID-19:

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To avail the cashless claim facility, you can approach any of our network hospitals for getting the best health care services in case you are infected with coronavirus or any other illness. We have more than 6500 network hospitals in every nook and corner of India.

You can approach any of our tie-up hospitals and get the pre-authorization request form filled and signed by the treating doctor/hospital and yourself at the hospital’s insurance desk. The network hospital will send this form to us and we will examine the form and confirm on the approval/rejection of cashless claim within 3 hours. And, when you are discharged from the hospital, we will proceed for the final settlement of your medical bill with the hospital.

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If you opt to get hospitalized to a non-network hospital, then you can avail the reimbursement claim facility. To file your health insurance claim for coronavirus, you can either visit our website and use our online health insurance claim portal or call our toll-free number: 1800-209-5858, to register your claim under your health insurance plans covering Coronavirus offline.

After you get discharged from the hospital, you need submit the following documents to the HAT team (within 30 days of discharge):

  • Duly filled and signed claim form with mobile number and email ID
  • Original hospital bill and payment receipt
  • Investigation report
  • Discharge card
  • Prescriptions
  • Bills of medicines and surgical items
  • Details of pre hospitalization expenses (if any)
  • In-patient papers, if required.
  • We will examine these documents with the help of our in-house HAT team, who will process your claim within 10 days.

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Our happy customers!

ASHISH JHUNJHUNWALA

My happiness and satisfaction regarding my claim settlement which was approved within 2 days...

SUNITA M AHOOJA

Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team

RENI GEORGE

I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...

Bajaj Allianz Health Insurance Plans That Cover Coronavirus

  • Bajaj Allianz Individual Health Insurance Plan (Individual Health Guard):

    A personal health insurance plan that ensures that you are comprehensively covered for any health related emergency.

    An individual health insurance policy covers you for COVID-19 hospitalization expenses, covers day care procedures, pre and post hospitalization expenses, road ambulance expenses and organ donor expenses. You can also choose from multiple sum insured options ranging from INR 1.5 lakh to INR 50 lakh.

  • Bajaj Allianz Family Health Insurance Plan (Family Floater Health Guard):

    A health insurance that covers you for COVID-19 hospitalization expenses and safeguards you and your family under one health insurance policy. 

    This plan gives you the flexibility to either avail individual Sum Insured for each member of your family or choose a family floater plan. With a family health insurance plan, you get day care procedures cover, bariatric surgery cover, maternity/newborn baby cover, organ donor expenses cover and cover for Ayurvedic and homeopathic cover.

  • Bajaj Allianz Silver Health Insurance plan:

    A health insurance that covers COVID-19 hospitalization expenses for the elderly.

    A health insurance for senior citizens ensures that you do not spend all your savings on health in your old age. With this plan, you get financial security for, hospitalization, medical check-ups, pre and post hospitalization expenses. And, you also get a 5% family discount for each member of your family and customized packages to suit your requirements.

  • Arogya Sanjeevani Plan:

    A standard health insurance plan, the Arogya Sanjeevani policy covers you for COVID-19 hospitalization expenses, day care procedures, AYUSH treatment, day care treatments, road ambulance expenses, cataract treatment and many listed modern treatment methods.

  • Corona Kavach Policy

    Corona Kavach Policy, as mandated by the Insurance Regulatory and Development Authority of India (IRDAI) and made available by Bajaj Allianz General Insurance Company. It is designed to cover COVID related hospitalization/home care treatment expenses. The policy also provides coverage towards AYUSH treatment with an option of Hospital daily cash, Pre and Post hospitalisation, Road ambulance,. If you are undergoing treatment for Coronavirus at your residence, then we cover medical expenses related to health monitoring, medicine costs upto 14 days.

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Bajaj Allianz Health Insurance plans offers extensive coverage at affordable premium rate.

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Health Insurance Coverage for Coronavirus

Hospitalization expenses

Health insurance for Coronavirus covers you and your dear ones from the hospitalization expenses like room, boarding & nursing expenses, doctor, consultants, specialists’ fees, diagnostic tests for COVID-19 and much more if you are admitted to a hospital due to COVID-19.

Pre and Post hospitalization

You also get covered for the pre and post hospitalization expenses up to 60 days and 90 days respectively.

Alternative treatments

You also get covered for the non-allopathic treatments such as Ayurveda, Unnani, Sidha and Homeopathy treatment.

Ambulance charges

Health insurance plans covering Coronavirus offer you road ambulance cover, so that you reach your nearest hospital with adequate emergency facilities following an emergency.

Day care procedures

With our health insurance plan, you are extensively covered for several day care procedures, which require you to be in the hospital for less than 24 hours.

Convalescence Benefit

You will be eligible for a benefit payout of INR 5,000 annually, in case of continuous hospitalization for a period of 10 days or more, provided that your hospitalization claim is admissible.

Claim settlement ratio of around 90% in the last 6 months.

Important points to note before buying Health Insurance for Coronavirus

  • Inclusions
  • Exclusions

Pre and post hospitalisation cover

Covers pre and post hospitalisation expenses up to 60 and 90 days respectively.

Family cover

Covers your entire family including your parents, parents-in-law, grandchildren, and dependent siblings.

Ambulance cover

Covers ambulance charges subject to a limit of Rs 20,000 in a policy year.

Daycare treatment cover

Covers expenses for all listed daycare treatments.

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The general exclusions under health insurance plans covering COVID-19 are:

Medical expenses where Inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified doctor round the clock.

Ailments requiring treatment due to use or abuse of any substance, drug or alcohol.

Vitamins, tonics, nutritional supplements unless forming part of the treatment for injury or disease as certified by the attending doctor.

Experimental, unproven or non-standard treatment.

Any treatment received outside India is not covered under this policy.

External medical equipment of any kind used at home as post hospitalization care.

Medical Expenses relating to any hospitalization primarily and specifically for diagnostic investigations.

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For detailed list of all the exclusions under health insurance plans covering for Coronavirus please download and read the brochure and policy wordings.

Download Health Insurance Documents

Set Renewal Reminder

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Thank you for your interest. We will send you a reminder when your policy is due for renewal.

Coronavirus Coverage Under Existing Health Insurance Plan

If you have an existing Bajaj Allianz health insurance plan, you can check with us about the coverage for COVID-19. If you have taken our health insurance policy before or even after the coronavirus outbreak, we will cover you for the hospitalization expenses of COVID-19 infection. Please note that if you get infected with COVID-19 during the waiting period, then the coverage for the same will not be covered under health insurance plan.

    So, if you are planning to get health insurance plans covering Coronavirus after the COVID-19 outbreak, then make sure that you get it before you become the victim of this disease.  The basic coverages provided by health insurance plans covering Coronavirus are:

     

    • In-patient hospitalization expenses
    • ICU charges
    • Pre and post hospitalization expenses
    • Coronavirus diagnostic test expenses

Things to Check before Buying Health Insurance for Coronavirus

It is a must to buy health insurance for Coronavirus to get the optimum coverage for this illness. But, you should check the following things with your insurer before buying health insurance plans covering COVID-19:

    • You should check the list of network hospitals, so that you know if your preferred hospital has a tie-up with your insurance provider and that you can avail the cashless facility, if you need to get admitted there.
    • You should look out for at least the basic coverages like pre and post hospitalization expenses, ICU charges and road ambulance expenses before you buy health insurance for coronavirus.
    • The next thing that you need to get confirmation on is the waiting period. Most of the standard health insurance plans have a waiting period of 30 days before they start covering you for illnesses. However, this varies from policy to policy and so, you should check the waiting period under the health insurance for COVID-19 that you are planning to buy.
    • The other thing that you should check is the offered Sum Insured (SI). Since the hospitalization expenses for coronavirus infection are very high, it is advisable that you get health insurance plans covering COVID-19 with a higher SI.

 

 

LET'S SIMPLIFY HEALTH INSURANCE FOR COVID-19

What is COVID-19?

COVID-19 is an infectious disease that is caused by newly discovered coronavirus. It is a contagious disease that spreads through droplets generated by coughing and sneezing of an infected person.

How can I buy health insurance plans covering COVID-19 online?

It is very easy to buy health insurance plans covering Coronavirus online. You can visit our website and buy health insurance for COVID-19. You can also download our Caringly Yours App to get the health insurance plan online.

Is home care covered under health insurance plans covering Coronavirus?

No, home care treatment is not covered under health insurance plans covering Coronavirus.

Will my medical expenses be covered if I am placed under home quarantine?

No, health insurance plans covering Coronavirus will not cover the medical expenses if you are placed under home quarantine.

Are medical expenses covered for private hospitalization?

Yes, medical expenses for private hospitalization are covered under health insurance plans covering COVID-19

Are there any waiting periods applicable to health insurance plans covering Coronavirus?

Yes, a standard waiting period of 30 days is applicable to health insurance plans covering COVID-19 treatment.

Will my health insurance policy cover medical expenses related to Coronavirus?

Yes, most of the health insurance policies cover you in case you fall ill due to any viral infection. And, since coronavirus is a viral infection, your health insurance plan can provide you the required coverage.

Is there any delay in providing health insurance services during the lockdown?

No. All of our health insurance services like buying & renewing your health insurance policy and claim processing (Cashless and Reimbursement) are completely available online. Hence, there will be no delay in providing health insurance services during the lockdown.

What if the evaluation report results are negative, will my claim still be honored?

Irrespective of the blood reports being positive or negative for COVID-19, the claim will be honored if you are hospitalized, subject to other terms and conditions of the respective health insurance plan.

Are Bajaj Allianz General Insurance branches open?

Yes, we have opened up more than 100 branches and going forward we will be a providing a hybrid model of servicing. As many norms will have to be followed and we will have to be real time updated with ground situations, we will update as and when the rules relax for opening up the offices.

How can I intimate health insurance claims during the lockdown period due to COVID-19?

With Bajaj Allianz’s smooth claim settlement process, here is how you can register and settle your health insurance claim during the lockdown:

• With our Caringly Yours app, you can register health insurance claims up to INR 20,000 via paper-less procedure - Health CDC (Claim by Direct Click) available on our Caringly Yours App.

• You can give us a missed call on +91 80809 45060, and we’ll call you back to take you through the process.

• You can also SMS ‘WORRY’ to 575758.

• You can choose to send us a mail on bagichelp@bajajallianz.co.in to register your claim as well.

• Another way to register and track your claim is visiting our online claim portal, where you can enter some of your basic details such as your policy number and quickly make a claim.

How can I check health insurance claim status?

You can check your claim status using our Caringly Yours App or by visiting our health insurance online claim portal.

How do I pay my health insurance policy premium during the lockdown period?

You can use various online payment modes, available on our website, to pay the premium of your health insurance policy during the lockdown period.

Can COVID-19 be transmitted from person to person?

Yes, COVID-19 can be transmitted from person to person, usually after close contact with an infected patient, for example, in a household,  workplace, or health care centre.

How does COVID-19 spread ?

People can catch COVID-19 from others who have the virus. The disease 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.

Can COVID-19 be caught from a person who has no symptoms?

Many people with COVID-19 experience only mild symptoms in early stages of the disease. It is therefore possible to catch COVID-19 from someone who has, for example, just a mild cough and does not feel ill. 

Is there a vaccine for a novel coronavirus?

There is no vaccine developed against novel Corona virus till date.

Is there a treatment for a novel coronavirus?

There is no specific treatment for disease caused by a novel coronavirus. However, many of the symptoms can be treated and therefore treatment based on the patient’s clinical condition. Moreover, supportive care for infected persons can be highly effective.

Who is at risk of developing severe illness ?

While we are still learning about how COVID-2019 affects people, older persons and persons with pre-existing medical conditions (such as high blood pressure, heart disease, lung disease, cancer or diabetes) appear to develop serious illness more often than others.  

What can I do to protect myself?

Standard recommendations to reduce exposure to and transmission of a range of illnesses include maintaining basic hand and respiratory hygiene, and safe food practices  and avoiding close contact, when possible, with anyone showing symptoms of respiratory illness such as coughing and sneezing. Maintaining social distance is of prime importance.  

Need any further help?

Give a missed call on +91 80809 45060 OR SMS <WORRY> To 575758 and our care specialist will call you back.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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