Health Insurance 531 views June 17, 2021

Does Your Corona Kavach Policy Cover Fungal Infections?

Now that the second wave of the COVID-19 pandemic is on a decline, fungal infections are increasingly found among patients as a post-COVID complication. Since the emergence of different types of fungal infections, individuals are worried about whether the Corona Kavach Policy will cover the same or not.

Well, the answer to this question is NO – Your Corona Kavach policy will not cover the treatment expenses incurred on fungus infection treatment. The reason is simple: fungal infections don’t come under the COVID-19 infection. However, if you have a comprehensive health insurance plan from any insurer, you will get coverage against any type of infection – be it black, white, viral, bacterial, etc. Your policy will cover any hospitalization, pre & post-hospitalization expenses, domiciliary treatment, etc. The claim norms will, therefore, remain the same as is the case with comprehensive health insurance plans. For cashless claims, you need to intimate the insurer 2-3 days before a planned hospitalization and within 24 hours of emergency admission. Reimbursement claims will require intimating the insurer within 24-48 hours of the hospitalization and submitting the treatment documents within a few days of getting discharged from the hospital.

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Who Can Get Affected by Fungal Infection?

The following types of people are most susceptible to fungal infection. Have a look!

  1. Diabetes patients if they develop Covid as diabetic ketoacidosis creates a favorable environment for fungal infections.
  2. Patients on steroid medications with a reduced immune response
  3. People on immunosuppressants and who undergo stem cell therapies and organ transplantations
  4. Individuals on prescribed deferoxamine that can cause an iron overdose in the body

What Does Corona Kavach Cover?

Corona Kavach policy covers both hospitalization and home treatment (up to 14 days of diagnosis) expenses. An insured member under the policy will get coverage against the following things.

  1. In-patient hospitalization treatment (Room Rent, Boarding and Nursing charges)
  2. Ambulance Charges Coverage
  3. Fees of Surgeon, Medical Practitioner, Consultants, etc.
  4. Cost of Blood, Oxygen, Anaesthesia, Operation Theatre, Surgical Appliances, Ventilator charges, Medicines, Drugs, etc.
  5. Diagnostic, PPE Kits, Gloves, Masks and similar expenses
  6. ICU and ICCU charges
  7. Cost of a prescribed treatment by the medical practitioner
  8. Optional Cover for Hospital Daily Cash (up to 0.5% of the sum insured per day for a maximum of 15 days)
  9. Cost of Oxygen Cylinder, Pulse Oximeter and Nebulizer
  10. AYUSH Treatment
  11. Nursing Charges
  12. Pre and Post-Hospitalization expenses

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