Failure to follow these 7 points will make the Covid-19 claim difficult for you


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Unexpected deaths from Covid-19 have devastated families across the country. Not just emotionally, Covid has destroyed families financially as well. At times like these, insurance coverage against Covid-19 can provide respite. But even then, making a Covid-19 claim may not be easy, given the technical details and the complexity of the insurance claim process. There are certain points that should be taken into account before making a Covid-19 claim. Looked:

1. Try to choose Network / Empaneled Hospital instead of requesting a refund

According to Ankit Agrawal, CEO and co-founder, InsuranceDekho, going to a panelized hospital helps ease the process because in this case, the hospital’s dedicated insurance / TPA helpline raises a cashless claim from the hospital. from the insurance company, which also helps in solving many documents. and other deviations on and there only. Customers should avoid going to an unlisted / blacklisted hospital.

In the event that the insured chooses to avail the services of an off-grid hospital, prior approval must be obtained from the insurer by submitting the information (test report, prescribed medication, consultant cost, nursing care costs , cost of oxygen, nebulizer, etc.), Agrawal suggested.

As per government guidelines, a certain amount can only be claimed for covid patients and hospitals cannot charge the same amount.

2. Continuous processing line

For the Covid claim, there must be a continuous treatment line with daily monitoring for the duration of the home care treatment. The document must be signed by the doctor, Agrawal told FE Online.

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3. Waiting period

The customer should be aware of the waiting period, if any, which is typically 15 days for Covid protection policies. The insurance company is not responsible for any illness during this period.

4. No claim for expenses incurred on verbal notice

Agrawal said that expenses incurred against a verbal advice given by the doctor will not be taken into account (for example, an over-the-counter teleconsultation that advises bed rest and routine tests like CBC, urine or control. This can also be classified as an unproven treatment.

5. Processing outside India

Also, no claim can be made on the diagnosis / treatment outside the geographic limits of India.

6. Costs to be covered

The cost of up to two covid tests at government approved rates will be paid. The second test must be supported by the prescription. The cost of the PPE kit up to 1500 per day is only payable if a qualified nurse is hired by the insured subject to the doctor’s opinion.

7. Home isolation during covid conditions:

“The allegation here is also accompanied by an emphasized condition that the client can only seek a home isolation request if the doctor has prescribed the same as the patient, under certain conditions, has the isolation plan.” at home next. There are 3 other conditions related to the patient’s condition – oxygen saturation, temperature level and other associated conditions of the patient according to government regulations. Insurance companies face the fact that customers who test positive are self-isolating and opting for insurance claims, resulting in their own dissatisfaction and further chaos, ”Agrawal said.

Do you know what this is? FE Knowledge Desk explains each of these and in more detail at Financial Express Explained. Also get live BSE / NSE stock quotes, latest mutual fund net asset value, top equity funds, top winners, top losers on Financial Express. Don’t forget to try our free income tax calculator.

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