health insurance app

The country is still recovering from the shock of the second wave of the pandemic, and the experts have already announced the possibility of a third wave. Now, the best you can do in this scenario is to follow all the health protocols to safeguard yourself and your family, along with getting financial security through coronavirus insurance. Read on to know more! 

Reasons to book online health policy before the third wave 

If you are in two minds about whether to book health insurance on the health insurance app  before COVID third wave or not, here are a few facts that will show you the direction. 

Staying financially secure against a possible attack: 

There are multiple measures to undertake to keep yourself physically protected from getting infected by the virus. However, it’s also extremely important to remain financially safe against the pandemic. As such, the most assured way of remaining financially protected against the costs of treatment is to buy a sufficient health insurance policy. 

Unlike other medical expenses involved in hospitalization, if you get hospitalized for the treatment, the insurance plan will help you in safeguarding medical expenses. 

No waiting period implied in coronavirus plans 

Purchasing an insurance plan not only for yourself but also for your whole family is crucial to ensure that your hospital expenses get seamlessly covered. Furthermore, viral infections like coronavirus aren’t pre-existing conditions and they do not come with waiting periods implied.  

Your insurance policy covers you for the cost of testing and treating the novel coronavirus. But when purchasing medical insurance app, it’s crucial to get a sufficient amount insured. After all, the treatment of such an infection is pretty expensive, and you need to have enough coverage to meet the expenses. On average, it would be wise to purchase a cover worth one crore at the minimum. 

Purchasing term insurance on time for your close ones 

A crucial step in preparing for the third wave of the pandemic is to buy term life insurance right away to safeguard the financial future of your family. You need to pay only a small premium for a period of about twenty to thirty years, and you get a high life coverage of around one to two crores. 

Now, life insurance has always been a crucial insurance product to ensure the highest financial protection of your dependents. However, ever since the pandemic started looming large over our life, it has increased the need for life insurance. After all, no one can ever predict the severity of the virus attack, regardless of how healthy and fit they are. 

Answering a few crucial questions about booking health insurance 

Q. What is the difference between domiciliary hospitalization (DH) and homecare treatment (HT)? 

Though DH is a part of most of the health plans for quite a long time now, there were a number of exclusions. One of the prime exclusions was that of the upper respiratory tract infection, i.e., exactly what covid is. As per the mandate of the Insurance Regulatory and Development Authority of India (IRDAI), insurers need to include the particular specifications of COVID in the plans, and these are called HT. However, both refer to at-home medical treatments. 

Q. What are the conditions to get home treatment? 

For the purpose of DH, you can get the cover if:  

  • The doctor recommended hospitalization but the patient wasn’t in a position to move.  
  • The accommodation wasn’t available for the recommended hospitalization 
  • A minimum of three days of home treatment was necessary 

For the purpose of HT, you can get the cover in some situations even when hospitalization wasn’t recommended, under some terms and conditions. As it varies from one insurer to another, you need to check with your insurance company. 

Q. What are the documents needed as proof? 

You might need to submit the following documents as proof: 

  • Doctor’s prescription advising hospitalization or home treatment 
  • Proof of bed unavailability in hospital 
  • COVID positive test reports for ICMR-approved labs 
  • Rating charts and daily reports showing an active line of treatment 
  • Invoices and bills for equipment and drugs 
  • Discharge certificates mentioning the beginning and end of treatment 

That’s all you need to know about booking health insurance before the third wave

strikes. Avail of a suitable policy if you still haven’t. 

. After all, no one can ever predict the severity of the virus attack, regardless of how healthy and fit they are. 

Answering a few crucial questions about booking health insurance 

Q. What is the difference between domiciliary hospitalization (DH) and homecare treatment (HT)? 

Though DH is a part of most of the health plans for quite a long time now, there were a number of exclusions. One of the prime exclusions was that of the upper respiratory tract infection, i.e., exactly what covid is. As per the mandate of the Insurance Regulatory and Development Authority of India (IRDAI), insurers need to include the particular specifications of COVID in the plans, and these are called HT. However, both refer to at-home medical treatments. 

Q. What are the conditions to get home treatment? 

For the purpose of DH, you can get the cover if:  

  • The doctor recommended hospitalization but the patient wasn’t in a position to move.  
  • Accommodation wasn’t available for the recommended hospitalization 
  • A minimum of three days of home treatment was necessary 

For the purpose of HT, you can get the cover in some situations even when hospitalization wasn’t recommended, under some terms and conditions. As it varies from one insurer to another, you need to check with your insurance company. 

Q. What are the documents needed as proof? 

You might need to submit the following documents as proof: 

  • Doctor’s prescription advising hospitalization or home treatment 
  • Proof of bed unavailability in hospital 
  • COVID positive test reports for ICMR-approved labs 
  • Rating charts and daily reports showing an active line of treatment 
  • Invoices and bills for equipment and drugs 
  • Discharge certificates mentioning the beginning and end of treatment 

That’s all you need to know about booking health insurance before the third wave

strikes. Avail of a suitable policy if you still haven’t. 

By Anurag Rathod

Anurag Rathod is an Editor of Appclonescript.com, who is passionate for app-based startup solutions and on-demand business ideas. He believes in spreading tech trends. He is an avid reader and loves thinking out of the box to promote new technologies.