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11 Apr

By 99loans_admin

Category: COVID-19, Health, Health Insurance, Insurance

FAQS IN RELATION TO COVID-19 COVER HEALTH INSURANCE POLICIES No Comments

FAQS IN RELATION TO COVID-19 COVER HEALTH INSURANCE POLICIES

Will my existing health insurance policy cover hospitalization expenses on account of COVID-19?

Yes, hospitalization expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.

How can I intimate my claim after hospitalization?

Claim intimation can be done online on IL Health Care or using our mobile app, IL Take Care Scanned copies or photographs of all claim related documents can be uploaded in the app.

Are any waiting periods applicable to claims under COVID-19?

In case your policy has an Outpatient Treatment Cover, then waiting periods are not applicable. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings.

In case of hospitalization on account of COVID-19, the hospitalization expenses incurred will be covered provided the illness is contracted after completion of 30 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to concern company, the 30 day condition will not be applicable.

Will I be allowed to enhance my sum insured?

Sum insured enhancement will be allowed based on medical assessment in accordance with the underwriting guidelines. However, such sum insured enhancement will be done only at the time of renewal.

Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?

The expenses towards vaccination will be covered in case the policy has Outpatient Treatment Cover.

Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.

Will the policy cover expenses due to quarantine?

In case the quarantine is in a hospital on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.

Will the policy cover hospitalization in a country other than India?

No. The geographical scope of the policy is limited to India.

Will my travel history abroad affect the admissibility of claim under the policy?

So long as the hospitalization is in India, the travel history will not affect the admissibility of claim under the policy.

What are the expenses incurred for COVID-19 that will not be covered under my policy?

The non-payable expenses as listed by IRDAI will not be covered under your policy.

Will my family members be covered for expenses on account of COVID-19?

Yes,

Are the consultations with a Medical Practitioner and diagnostic tests in relation to COVID-19 covered under my Health Insurance policy?

In case your policy has an Outpatient Treatment Cover, then all consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner are covered. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings.

Further, in case there is hospitalization on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner in the 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.

for more details – Contact Us on +91 7989123105                                                          mail-  info@99loans.co

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