Covid 19 health insurance policies in Kerala 2020-2021

Special Covid 19 health insurance plans were introduced to cover the cost of Covid treatment. All General Insurance Companies have issued Corona Cover and Corona Rakshak policies as per the directions of the Insurance Regulatory Authority of India (IRDA).

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Although there are slight differences in the premium amount and certain procedures between the policies issued by many companies under the same name, the protection and general terms of the policy are the same.

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Corona treatment costs are also included under the government’s health care policy. About 29 general insurance companies offer health insurance policies. The policy will range from Rs 1 lakh to Rs 5 lakh.

In addition to hospital expenses. The policy will also cover other costs associated with treatment, such as the need for surgical equipment, oxygen, operating theater charges, and diagnostic costs. The insurance amount is Rs 1,000 for a coverage of Rs 1 lakh. The premium for a cover of Rs 5 lakh is around Rs 5,000.

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Under the Corona Rakshak policy you can get Rs 50,000 to Rs 2.5 lakh for a fixed period. The premium can be paid once a month, every three months or every six months. Healthcare workers get a five per cent discount. Those who are admitted to the hospital at least 72 hours after Kovid 19 positive will get the insurance amount.

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