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Do Covid Recovered Persons Also Need Covid Insurance

Covid has been wreaking havoc around the area, and as WHO reports, there could be newer virus variants evolving in times to come. With the uncertainty of the pandemic affecting the lives of millions across the globe, you must secure your health with an affordable covid insurance plan. 

Several insurance companies have launched specific health plans covering medical expenses arising out of Covid-19 treatment. Thanks to the relatively milder third wave, reports tell that people recover faster. But the question is whether you need insurance even after recovering and surviving this wave. Experts advise that Covid is here to stay in some form or the other. Hence, it would be sensible to keep a viable health policy handy. 

If investing in a full-blown insurance policy is not on your mind, you can check out the pocket-sized Covid Insurance plan rolled out by Bajaj Finserv. As a small-ticket insurance policy, it makes for an affordable policy, unlike the traditional plans. The plan from Bajaj Finserv is customisable as it aims to bring insurance within your reach, thanks to the small premiums and adequate coverage. If you fear the loop of claiming insurance against your fat hospital bills, you can be assured to enjoy the benefits of an easy claim settlement with a Covid focused Pocket Insurance plan. 


Once you’ve made up your mind, here’s all you need to apply for the Covid Insurance plan:

– You must be a resident Indian citizen

– Minimum 18 years of age and above are eligible to register for the policy.

Is health insurance available for recovered Covid-19 patients? 

Battling Covid itself is traumatic, regardless of the intensity. If you have just recovered from the illness and are seeking a health insurance policy, the market may not have as many options open for you. While some health insurance companies decided not to extend any health plan to Covid recovered patients, many others in India delayed approving policies for a certain period. 

Many health insurance providers adopt unwritten rules guiding policies that cover Covid recovered patients in the latter case. A cool-off period is commonly included in the conditions. Such a condition emphasizes the need for patients to wait for at least six months after their recovery. In most cases, such people’s health insurance proposal form is accepted only after that period. 

Isn’t six months too long? Waiting for six months can be fruitless, especially when even reinfection is possible. The exclusive people-friendly plan from Bajaj Finserv has a waiting period of only 15 days before patients can benefit. The pocket health insurance policies and subscriptions are worth considering, from getting coverage against expenses incurred during the quarantine period and hospitalisation to availing of many other personalised benefits. The USP of the plan is the reasonable premium that is least likely to pinch your pocket; instead, it can protect you against substantial health expenses in future. 

Corona Insurance Plan Details 

With the Pocket Insurance policy for Corona patients, you can enjoy coverage up to Rs. 2 lakh available at a premium of just Rs. 952. The policy is easily accessible as you can pay for it online via your preferred online mode. 

With a premium of Rs. 952, you can avail of coverage of up to Rs. 50,000. 

A premium of Rs. 1,339 can cover up to Rs. 1 lakh. Subsequently, a premium of Rs. 1,402 can offer coverage of Rs. 1.5 lakh and that of Rs. 1,469 can offer up to Rs. 2 lakh. 

Benefits covered in the Covid 19 Bajaj Finserv Insurance Policy

Claiming your hospital cash insurance can often seem like a hassle but not anymore with this policy. Here’s what you can claim:

– Unlike other policies that don’t typically cover expenses for less than 24 hours of hospitalisation, Finserv’s Corona insurance does. All you need is your Covid-19 positive report from a government-approved lab or an Indian Council Medical Research approved private lab.

– Coverage for expenses incurred on treatment of any comorbidity along with the Covid-19 treatment.

– Cover for pre and post-hospitalization expenses for up to 30 days.

–  Ambulance charge Coverage of up to Rs. 2,000 per instance of hospitalisation.

A unique addition is that the treatment covers conventional treatment methods, including Yoga, Unani, Siddha, Homeopathy and Ayurveda.

Applying for the Corona insurance plan is simple. You can visit the Bajaj Finserv website and buy the intended health insurance plan. The premium can be paid by various online payment methods, including debit or credit cards, UPI, and mobile wallets. Once you’ve subscribed, membership details will be confirmed over email or WhatsApp. 

Coronavirus has been impacting many people, both physically and mentally. A comprehensive health insurance plan drafted with a pragmatic approach can protect people not only from losing money on expensive Covid-19 treatments but also assure swift treatment. 

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