Hi,Recently attack of covid19 all over the word is known fact & there is no medicine so far,if patient is not series there is every chances of survival by adopting control measures & increasing anti disease in the body. Recently all health insurers & few general insurers have introduced treatment of covid19 as an additional benefit in policies to be issued & old policies for renewal which is welcome step & helpful to insured persons,but some condtitions will apply. Before going for these policies all are required to aware the following terms & conditions.

1) If policy holders attacked with covid19 after 3/6/ months from date of issue of policy,which may be treated as pre existing since there is waiting period of 1/2/3 years depending on insurers terms & conditions,claims in such cases may not be available. In case of term cover if death occurs as above,the same may be treated as earlier claim & claim may or may not be available.

2) Cost of covid19 treatment comes around 2.5 to 3lakhs,if only suspected without positive in 14 days isolation,then cost may very less. Now Govt is bearing cost of treatment & tests in case of suspected/confirmed ones which may be withdrawn in future. The total cost is as per govt estimates.

3) If claim for the treatment is accepted by any insurer for their policy holders,amount of claim is limited to Rs 50000/- or little bit more. No coverage is available to an extent of sum assured.

4) Though medical check up is being done before issue of policy,it is not possible to detect abt this disease since separate tests are required & will be done only in govt designated hospitals,no general check ups are allowed unless there is serious symptoms of cold,cough,high fever,loss of appetite,taste etc& cost of tests are also costly.