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Get the best insurance for coronavirus third-wave



With another lineage of Delta variant of coronavirus found recently, the possibility of COVID third-wave is increasing. Hence, individuals also need to safeguard themselves financially with a COVID protection plan besides taking health precautions. 

While the Indian market is flooded with different options, choosing the best insurance plan for COVID-19 is not easy. 

Features of the best COVID protection plan 

Individuals can look for the following features to purchase the best COVID protection plan: 

  1. Extensive coverage 

The best insurance plan for COVID-19 covers the following instances:

  • Hospitalisation expenses 

  • Cost of treatment of comorbidity alongside COVID-19

  • Pre and post hospitalised charges for a period of up to 30 days 

  • Ambulance charges during hospitalisation

However, individuals must have a COVID-19 positive report from a Government-approved or ICMR-approved private laboratory. Additionally, for a claim, insured individuals must be hospitalised for at least 24 hours.  

Additionally, insurance aggregators like Bajaj Finserv offer COVID-19 protection cover under its Pocket Insurance and Subscriptions that cover the costs of AYUSH treatment. It includes Ayurveda, Unani, Siddha, Yoga, and likes. 

  1. Simple claim settlement process

The COVID-19 positive patients require immediate medical attention. However, the best insurance plan accompanies a simple and prompt claim settlement process. Insured individuals can raise a claim via toll-free number or by writing an e-mail. 

  1. Affordable one-time premium

The best insurance companies offer a COVID protection plan against a nominal annual premium. Individuals can also purchase such insurance policies online and pay the premium via internet banking and other digital payment modes. 

Insurers also ensure that the waiting period is nominal for such insurance plans. 

Thus, considering these pointers below, you can choose the best COVID protection plan available right now. However, you should also read the terms and conditions before finalising one. 

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