The IRDAI, during the first wave of Covid in India in 2020, instructed all the health insurance providers to launch the special corona cover plans. Hence, the Corona Kavach Health plans were launched with a lot of fanfare among the pandemic. But how effective are these plans and should you invest in them? Let us find out.
Features and benefits of the Covid care health insurance plans
- Affordable –
The Covid care health plans are very affordable. This makes it simple for people from all walks of life to buy and own such a medical insurance cover. - Comprehensive coverage –
You can get coverage of up to INR 5 lakhs when you buy a specific Covid care health plan. This is comprehensive coverage and proves to be enough for most people who require treatment for Covid related complications. The plan is available for a minimum duration of three months and a maximum duration of nine and a half months. - Complete health protection –
All the treatment expenses, from ambulance costs to in-patient care to post-hospitalisation care, is covered under such a health plan. You can also get reimbursed for the home health care costs if a doctor prescribes home treatment. - Available for everyone –
Just like all the other health insurance plans, the Covid care health insurance plans are also available on an individual or a floater basis. If you just want to cover yourself, you can opt for an individual cover. If you want to cover the other members of your family, then you can buy a family floater Corona Rakshak policy. - Easily available –
The Covid care health insurance plans are available online. You can buy them instantly. This is a big benefit as stepping out, even if it is to buy insurance, is very risky at these times. Therefore, the availability of Covid care health plans online makes it highly beneficial.
These are some of the most beneficial features of the Covid care health insurance plans and as you can see, they are quite useful.
The final word
The Covid care health insurance plans are definitely helpful. However, there is just one major drawback here – these plans do not offer any other form of medical coverage. The comprehensive health insurance plans these days also have a Covid cover. Most of the leading health insurance companies in India offer this cover with a waiting period of less than 1 month, which proves to be extra beneficial. This is why you should consider getting a comprehensive plan that has a corona cover too, instead of just a covid protection plan. You will have the coverage for a longer time and you will have a host of other health covers along with the covid cover.
