Health Insurance 301 views January 4, 2022

The Insurance Regulatory and Development Authority of India (IRDAI) has announced that health insurance policies that cover COVID-19 will also cover Omicron infections, which are steadily growing in India. And this applies to all the policies issued by general and health insurance companies. Read this post below to know more about Omicron coverage under the health insurance plan.

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Hassle-Free Treatment of Omicron Infections at Network Hospitals

As per the IRDAI rules, the insurance company needs to coordinate with the network provider to provide easy cashless treatment to the insured for Omicron Infection. You can get cashless treatment for the same if the doctor has confirmed it.

Note – The government authorized center for COVID testing must confirm Omicron Infection in patients.

Under Which Type of Health Insurance Omicron Coverage is Available?

Health insurance plans are generally of two types – Indemnity and Fixed Benefit. An indemnity-based health insurance plan will reimburse the cost of medical expenses incurred during the treatment, subject to the sum insured. So, if your indemnity-based health insurance covers the treatment costs of COVID hospitalization, it will also cover Omicron Infections.

Why Has the IRDAI Decided to Cover Omicron Infections Under Health Insurance?

As on 4th January 2022, a total of 1,700 cases of Omicron Infections are detected across 23 states and union territories in India. And out of these, 639 patients have recovered or migrated, as per the information from the Union health ministry’s data (updated on Monday). Across major cities, the Omicron variant is more than 50% of the fresh cases, indicating a third COVID wave. Check out the spread of Omicron Infections below –

  • Maharashtra – 568 cases
  • Delhi – 382 cases
  • Kerala – 185 cases
  • Gujarat – 152 cases
  • Tamil Nadu – 121 cases
  • Rajasthan – 174 cases

India’s Omicron cases are 1,892 according to the data updated by Times of India, a popular English daily, at 10:59 am . Reportedly, there are 37,379 new Covid-19 cases and 124 deaths in the last 24 hours.

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