Opt for Indemnity-based health insurance plans for COVID-19 claims

After the World Health Organization declared the new coronavirus to be a pandemic, insurers general declared that claims under defined benefit health insurance plans would not be applicable as this disease is not not included in these policies. However, claims arising from indemnity-based health insurance plans will be honored by the insurance companies. Under indemnified health insurance plans, insurers cover both treatment during the quarantine period and hospitalization costs, while in defined benefit plans, health care is paid in a lump sum regardless of actual hospital costs.

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