Inpatient hospitalization care refers to the twenty-four-hour medication or more during which the patient is treated for COVID-19 or any other disease. If hospitalization does not extend for twenty-four-hours or more, it will not be considered as inpatient hospitalization.
All medical cares offered to alleviate a patient's COVID condition and other illnesses before hospitalization refers to pre-hospitalization. Expenses in the form of medicines, vaccinations, medical tests, and the doctor's fee incurred during this tenure will be covered under pre-hospitalization costs.
After being discharged from the hospital, COVID survivors can procure medical support in their homes. Any medical expense that occurs for the next 45 – 90 days after the treatment of the diagnosed disease can be counted as a post-hospitalization expense.
Similar to most of the medical insurance plans, the coronavirus insurance plans propose a waiting period of 15 days. However, some insurance providers choose a variable, and they offer 14-16 days waiting period for coronavirus health insurance, for example, Star Health Insurance. We advise you to check the plans carefully for the waiting period clause before you buy your health insurance for coronavirus.
You always have an option to go for a higher sum insured by paying a little higher premium. With the current scenario, when COVID 19 is claiming many lives, it is always advisable to opt for maximum coverage to stay financially secure. When the insured is hospitalized for twenty-four hours, he/she is eligible to claim 100% of the sum. Moreover, while under the quarantine, the insured can claim up to 100% of the assured sum but have to pay the loading charges.
All coronavirus insurance plans cover the expenses of hospitalization, ICU room rents, OPD charges, and ambulance charges along with post-hospitalization care expenses.