The Covid-19 Coronavirus and Your Current Health Insurance


Aug 11 2020


We may be halfway through the 21-days lockdown period, but the fight against coronavirus is far from being over. The number of positive cases in India are rising every day, and it is becoming more and more important for people to understand the gravity of the situation. Take good care of yourself and your loved ones because nobody is truly immune to the disease. First of all, do not fret if you have medical insurance given that it also works as a coronavirus insurance.

It’s a scary world out there, but if you have the right precautions and safety measures in place, you do not need to worry as much. The world is currently fighting against a deadly pandemic virus, and every individual must contribute in reducing the spread and flattening the curve of the novel covid-19. Practice social distancing, eat healthily, maintain a clean environment and exercise daily. While these are, what we want to call ‘Plan A’, you need to have ‘Plan B’ in place as well i.e., a health insurance policy.

Healthcare is getting more and more expensive and easy access to healthcare is even more difficult. For those who can afford it, health insurance is a must in case an unfortunate catastrophe strikes. Health insurance is there to protect you and your family. It takes care of all medical and hospitalization expenses and in comparison, to a Mediclaim Policy, a Health Insurance policy covers a longer list of illnesses and provides more benefits (subject to the company’s terms and conditions).

You must have bought your health insurance some time ago, and these recent developments will have you concerned. If you have purchased a health insurance policy from ManipalCigna, you need not worry as your current plan has coronavirus cover. Hospital and medical expenses arising from coronavirus will be covered by your current health insurance plan. In fact, your plan will also cover expenses of being hospitalised due to any other viral infection as well. Since viral infections such as coronavirus, Ebola and H1N do not come under the category of pre-existing ailments, no waiting period needs to implied before the insurance comes into play. ManipalCigna also provides the option of a cashless claim, making it a hassle-free experience for the distressed person and/or the family.

The aim at ManipalCigna Health Insurance is to make customers top priority and guide them onto a path that promotes their physical, emotional and financial well-being. This includes lending out a helping hand during a global health crisis such as this. Irrespective of the policy/package you have chosen, it will cover charges arising from being hospitalised due to and treatment for covid-19. What may differ are the additional benefits, depending on the package you have chosen. Also, if you have meant to renew your health insurance policy, do it now and do it fast!

Now that you are assured and at peace about your current health insurance policy covering medical and hospitalization expenses incurred due to coronavirus, you should also know about ManipalCigna’s ProActiv Living. It is normal to feel lonely and low during the lockdown, and that’s where this wellness program comes into play. As mentioned before, ManipalCigna focuses on a customer’s all-rounded well-being, and the ProActiv Living program is extremely helpful today if you require assistance with dealing with the situation in a more positive manner. 

ManipalCigna Health Insurance is always at your disposal in case of any queries/doubts/questions related to whether your current policy cover Covid-19 or not. If you have any coronavirus insurance query, please contact us.