According to meticulous research and monitoring being conducted by Johns Hopkins University’s acclaimed medical school, worldwide coronavirus cases crossed the 20 million threshold in early August. In India alone, there are more than 3.17 million cases of the coronavirus. In these troubled times, it is extremely important to be fully prepared in case anything untoward does occur. One of the most important things you should do is invest in a proper Corona Kavach plan from a well-known Health Insurance provider. It covers hospitalisation expenses, ambulance fees, doctor consultation fees, drug fees, PPE fees, room charges, etc.

The first thing that you have to keep in mind that although the coronavirus is a new disease, all pre-existing health Insurance plans will provide you with proper coverage. If you have purchased medical insurance for your family in the past, then that should ideally be sufficient to cover the costs of treatment and hospitalization if you/your family members contract coronavirus today. But to ensure that all your expenses are covered, it is a very good idea to invest in a Corona Kavach insurance policy. Following is a list of the very basic items and requirements that all major coronavirus health insurance policies should cover.

Important Covers

Here are some of the basic and important areas that you can expect your Covid-19 specific health insurance plan to cover.

1. In-Patient Hospitalization Expenses

Your medical insurance should properly cover all the bed charges, room charges, etc. that you will incur during the course of your full stay at the hospital. Pre-Hospitalization Expenses:The Covid-19 specific medical insurance that you purchase should also cover all the expenses incurred during the pre-hospitalization period, such as imaging/test fees, medicine fees, ambulance fees, etc. Refer to your policy document for scope of the coverage.

2. ICU Room Expenses

Coronavirus patients have to be placed under ventilator treatment in the ICUs in extreme cases. The medical insurance that you invest in should cover ICU expenses.

3. Daily Hospital Cash Benefit

A daily hospital cash benefit is a lump sum of money that will be provided to your primary care giver as a daily expense during the period of your hospitalisation.

4. Post-Hospitalization Expenses

After you have been discharged from the hospital after being cured of the disease, you will still have to incur a variety of costs. Your coronavirus insurance will cover most of these expenses.

These are the various basic elements that you should look for in any medical or Health Insurance Policy that covers coronavirus treatment costs. To ensure the safety and well-being of your family, you should also follow all the protocols and safety guidelines that are provided by WHO. The best way to overcome this difficult situation is to stay safe, maintain superb hygiene and follow social distancing.

The post What Should A Health Insurance Policy Ideally Cover In The Time of the Coronavirus appeared first on Top 5 Life: Aspects Of Life.