Coronavirus Health Insurance

Coronavirus, or COVID-19, has been the deadliest pandemic to affect people globally in the modern age. It has changed how we lead our everyday lives, care for ourselves, medical infrastructure, and personal finances. In light of this pandemic, it is only prudent to safeguard your finances and invest in good healthcare policies that offer coverage for coronavirus. Opt for Bajaj Finserv Health’s Coronavirus health insurance plan. Read more to know what the plan offers.
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What is Coronavirus Health Insurance ?

Unlike other health insurance schemes, the Coronavirus health insurance policy is a customized scheme dedicated to treating and covering hospitalization costs for patients suffering from COVID-19. There are several COVID insurance plans for the same. At the same time, you can also choose from a wide range of health insurance schemes that cover COVID-19 disease, among other illnesses. Since COVID-19 is a viral infection affecting millions globally, a comprehensive coronavirus health insurance policy will cover pre and post-hospitalization expenses. It will include in-patient and out-patient treatment costs of all variants of COVID-19, including delta and omicron.
health insurance for diabetes

Why Do You Need Coronavirus Health Insurance?

Even after two years, coronavirus is still a looming problem in India. With most people already vaccinated and booster doses being given out, people are still getting infected with the same, and their immunity is questioned. Although the rest of the country has started adapting their life to the 'new normal, the situation is far from perfect.

Even today, cases have not completely come to a halt. With India being only one of the worst-hit countries in the world, necessary precautions must go together with vaccinations to make this pandemic end for good.

The contagious nature of this virus has crippled our country with a rapid economic slowdown. Still, it has also taken a heavy toll on the lives of middle-class people. It has made people realize their financial instability and how health and wealth are crucial for surviving and staying afloat.

That is why COVID health insurance has become as necessary as sanitizing or washing our hands. A COVID insurance policy will ensure that all your hospitalization and treatment costs are covered in case your family member, or you have been affected.

5 Reasons to Buy Coronavirus Health Insurance from Bajaj Finserv Health

  • Expenses


    No-contact policy
    Buying a Bajaj Finserv Health insurance policy is simple. The process is entirely paperless and can be completed online in a few minutes.

  • OPD Doctor Consultation


    No Copayment
    Based on age or gender, during your COVID-19 insurance policy claim, the patient need not pay a single penny from their wallet.

  • Network Discounts


    No room restriction
    Every person has different needs and preferences for hospital rooms. That is why our policy does not have any room rent restriction. Patients can choose any room they would like to stay in.

  • Cashless treatment


    Sum incurred
    If your allotted sum exhausts before the end of the year, and you need it again, it will be refilled.

  • Claim Settlement Ratio


    Any hospital admission
    With multiple hospitals across the country that we operate, get treated anywhere you like for cashless payments and reimbursements with no delay.

Features of Coronavirus Health Insurance in India

  • Coronavirus: Covered under hospitalization, with zero additional cost.
  • Copayment : No Age-Based Copay
  • Cashless Network of Hospitals : 700+ Top Hospitals PAN India
  • Sum Insured : 3X Sum Insured Multiplier for Critical Illness Hospitalization
  • No Claim Bonus : 20% extra SI for your First Claim Free year
  • Room Rent Capping : No sublimit set on hospital room rent
  • Claim process : Quick and easy both offline and online

Benefits of Coronavirus Health Insurance in India

COVID-19 insurance covers up to 2 lakhs with affordable premium. It Covers hospitalization charges of minimum 24 hours. Patient’s tested positive from a government-approved lab or ICMR-approved clinic can claim easily.
It also includes following benefits :
benefit-img_<h4>Pre and post-hospitalization charges</h4>

Pre and post-hospitalization charges

benefit-img_<h4>No room rent restriction</h4>

No room rent restriction

benefit-img_<h4>Traditional methods of treatment covered</h4>

Traditional methods of treatment covered

benefit-img_<h4>Ambulance charges</h4>

Ambulance charges


The Higher your BMI Higher your Chance to get covid

Keep your health in check with our BMI Calculator

Height (cm)
Weight (Kgs)

Why just health insurance? Get a complete Coronavirus Health Insurance package!

What is Coronavirus Complete Health Package?

A coronavirus complete health insurance package goes above and beyond your regular health insurance policy. It comprehensively shields you from undue financial stress that you can face due to either yourself or your family members contracting the viral infection. A coronavirus-specific policy document comes with a lower waiting period, offers coverage for hospitalization with no additional cost and ease of quick claim settlement across online and offline avenues.

Benefits of Coronavirus Health Insurance Package

  • Home treatment coverage : If the doctor has covered the same.
  • Consumable expenses covered : This includes masks, gloves, PPE Kits, oxygen cylinders
  • Cashless treatment option : This feature is available at all partner hospitals of the insurance provider
  • Add-on benefits : You can customize the policy features as per your needs


How to Choose Right Coronavirus Health Insurance Package ?

Adequate Sum : You must ensure that the sum you have set aside for yourself is enough for your entire family given the medical inflation all over India

Maximum Coverage: You need to focus on maximizing benefits. An already existing health insurance policy can be further strengthened by adding coronavirus policy coverage. So, you must pick a plan that offers the most benefits at a most reasonable premium

Waiting Period : A regular health insurance plan has a waiting period of about 30 days while a coronavirus-specific policy has a waiting period of approximately 15 days. You need to consider both options and select the most suitable one according to your needs.

Hospital Coverage: You must pick an insurance company that offers you a wide coverage of partner hospitals. Doing so, you will find yourself in a more comfortable position of selection when an emergency arises. Partner hospitals offer cashless treatment facilities that can come quite handy.

Explore options thoroughly : Go through the insurance company's background, look at their policy features and compare quotes. The process might be time-consuming, but it will be worth it in the long run.

Your 5-point Checklist for Selecting the Best Coronavirus Health Insurance Plan

  • checklist-icons_ Cover amount

    Read between the policy document lines

    Certain policies come with a copayment clause in which the insurance amount needs to be partly (a percentage) paid by the insurer and the insured. If you want a full coverage you should go for a policy with a no copayment feature.
  • checklist-icons_No Sub-limit

    Network Hospital

    You must ensure that your insurance provider has a robust list of hospitals under the policy coverage. This will give you more options to select a hospital. You will also have the recourse to apply for the cashless treatment feature that mandates that the medical expenses will have to be settled between the insurance provider and the hospital directly.
  • checklist-icons_Co-pay vs No Co-pay

    Timely Approval

    Timely approval ethics is the most important purpose of an insurance company. At the time of policy selection, you must check if the company has a good track record of on-time approval.
  • checklist-icons_Waiting period

    Waiting period

    You need to be clear about the waiting period clause. Some policies have a waiting period of a few years in case of regular policies. The waiting period can vary between 15-30 days for a coronavirus-specific policy. You must agree with the waiting period as mentioned.
  • checklist-icons_Beyond hospitalization

    Incurred Claim Ratio

    > You must also research the claim settlement ratio of the insurance company. The higher the claim settlement ratio, better the chances of proper claim settlement and that you will get the promised money in your time of need.
Myth Buster
Don't panic, just build your own package

Here are the coverage offered by Bajaj Finserv Health

What's Covered?
What's not Covered?
Lab tests

In-patient costs

Coverage of medical expenses arising out of COVID treatment

OPD Doctor Consultation

Pre-& Post Hospitalization

You will be covered for connected medical expenses such as diagnostic tests and doctor fees before and after hospitalization.

Teleconsultation Benefit

Ambulance charges

Transportation charges incurred from availing the hospital ambulance will be covered up to a certain amount.

Choose coronavirus health insurance coverage of your choice
5 lakhhealth insurance
5 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 38000 Rs.
10 lakhhealth insurance
10 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 56000 Rs.

Eligibility Criteria

Minimum and Maximum Age Limit: 91 days is the minimum age limit . There is no upper limit on eligibility based on age.

Pre-Existing Illnesses:Medical checkup is mandatory for those being enrolled in the Coronavirus Insurance Plan.

Eligibility Criteria

  • Eligible age

    Minimum & Maximum age
    91 days minimum age

  • Pre-diabetes check

    Pre-existing Illnesses
    Mandatory medical checkup is required

Myth Buster
Don't worry about price, just check it

How to calculate health insurance premium?

  • Personal Details


    Enter your name and mobile number.

  • Family members


    Select the family members whom you want to insure.

  • Age of eldest member


    Enter the eldest member's age

  • Premium Calculated


    Get your premium

10 factors that affect your health insurance premium:

India’s Leading Company

Health Insurance is a must for any individual or family who are looking to secure their health and financial future. Owing to medical inflation in the recent years, the cost of medical treatment and procedures often drains one’s lifetime savings and acts a burden. However, getting a health insurance means adding a fall-back cushion to safeguard savings as well as get tax benefits.

As you apply for a health insurance plan, the insurance providers do a thorough check/assessment of your health. Basis your health status, they offer a premium amount for the plan.


Your age is a major factor on which the health insurance premium will be decided. Most companies follow this mantra – the higher the age of the insured, the higher the premium to be paid. This is because older people are prone to illnesses. It is advisable to buy a health insurance plan when you are younger to enjoy more benefits and pay a lower premium.


Your occupation or the nature of your work will also determine the health risks you may be exposed to. Given our hectic lifestyles and sedentary jobs, you will be prone to stress, anxiety, etc. which will lead to other health issues. So, for example, if you have a high stress job, your premium will be higher.

Medical history

Medical history plays a vital role too in deciding the premium. If you have a chronic illness, or have suffered from any past major illnesses, or if family history points to any pre-existing illnesses, your health insurance premium will go up.

Copay feature

If you have a co-pay feature in your health insurance plan, then your premium will be lower as a certain percentage of the medical costs will be borne by you and the rest by the insurance provider..


Habits. Yes, your habits matter a lot. For example, if you are a smoker, you are at risk of serious illnesses like cancer. If you drink regularly, you are at risk of chronic diseases. So, your premium will be higher.


Duration of your policy will also affect your premium. If have a longer duration for your policy, you will pay less premium.


Your BMI or Body Mass Index also affects your premium. If your BMI is high, then you are at a higher risk of chronic or lifestyle illnesses. This means you will pay a higher premium.


Location If you stay in locations where food, water, air quality is an issue, it will lead to serious health issues and therefore, your premium will be higher.

plan type

Your plan type affects your premium amount.

Why To Buy Coronavirus Health Insurance Online?

Ayurvedic and Homeopathic Hospitalization Cover.

Lab Test Package (Prime network)-Take preventive/remedial measures against diseases with a suitable lab test package.

OPD/Doctor Consultation Benefit-Get benefits on doctor consultations regarding COVID-19 and related health concerns.

Tele-consultation Benefits -Consult your doctor online via video, audio, or chat according to your convenience and safety.

Network discounts -10% discounts across Bajaj Finserv Health Prime network of partner hospitals and labs.

How to buy Coronavirus Health Insurance from Bajaj Finserv Health

  • Login


    Step 1
    Log on to the website or download the ‘Bajaj Finserv Health’ app on your phone and sign up.

  • Search for Diabetes Insurance


    Step 2
    Search for the Coronavirus Health Insurance Plan.

  • Apply Now for Diabetes Health Insurance


    Step 3
    Click on ‘Apply Now’ and enter your basic details.

  • Confirm Application


    Step 4
    Check and confirm application by entering the OTP received on your mobile number.

  • Pay your premium


    Step 5
    Pay the premium via credit/debit card, UPI, mobile wallet, etc.

  • Get Details on Whatsapp


    You will receive the details of your membership via email/WhatsApp.

Myth Buster
All set to buy ?

Tax Saving with Coronavirus Health Insurance

The Bajaj Finserv health Coronavirus Health Insurance policy gives you Tax Exemption benefits under Section 80D of the Income Tax Act of 1961. Factors that decide your tax exemption amount are as follows:

  • If you are an individual or live in a nuclear family, you are eligible for tax exemption of up to Rs. 25,000
  • If your parents and you are both aged more than 60 years of age, you are eligible for tax savings up to Rs. 1,00,000
  • If you are parents are below 60 years you can claim for Rs. 25,000 exemption and if your parents are 60 or above 60, you can get an exemption of up to Rs. 50,000
Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

cityCare1000+Hospitals Near You
hospitalCare90+Labs Near You

An Easy, Hassle-Free And Quick Procedure

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!
India’s Leading Company
We have 98% Claim Settlement Ratio!
With the Bajaj Finserv Health Insurance plan, you can avail health benefits and hospitalization benefits across the vast Bajaj Finserv network partners PAN India.
Download the Bajaj Finserv Health app or go to and log in to your account.
Go to your health plan and select the benefit you want to redeem or get reimbursed.
Follow the steps and claim your health plan benefits instantly.

How to make cashless claims & reimbursements?

Cashless Claims
Approach Hospital
Approach Network Hospitals
Approach Network Hospitals for complete cashless facility & once details are verified, send the duly filed pre-authorization form to the insurer
Verification of all details
Verification of all details
The insurer will duly verify the details of the pre-authorization request with policy benefits and intimate their decision to the healthcare provider
Myth Buster

One useful tip just for you!

Even at the time of selecting your coronavirus health insurance policy you must heed to pre-existing conditions. Certain insurance providers do cover for pre-existing diseases while others don't. You must keep an eye out for this clause and must also notify the insurance provider about any illness you may have. Hiding any health concern can lead to a rejection of the claim.

Myths Busted

Myth #1: Quarantine at a center will not be covered

Truth: Expenses arising out of home quarantine will not be paid for. However, if you are quarantined at a government authorized center, the costs that can arise because of it can be claimed for.

Myth# 2: You cannot make a claim upon purchasing a coronavirus health insurance policy for at least 30 days.

Truth: Regular health insurance policies have a minimum waiting period of 30 days, but coronavirus specific health policies have 15 days as waiting period normally that can be activated on the 16th day.
Hear It From Our Customers
Female, 23
Shivani Datt
This has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my parents at reasonable pricing. Also, with preventive health check-ups as a part of the plan, it is a very good purchase.
Male, 29
Rahul M
This Health Insurance has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my family at reasonable pricing. Also, with free lab tests and other hospitalization benefits, it is the best product to manage all healthcare expenses.


The process is simple and does not involve paper. On our website, head to the 'Buy now option on the policy and fill in your basic details as asked. Pay via card or other modes of preferred payment.

Firstly, all group members forming part of the group (like a family) can be covered with an individual sum insured for each insured beneficiary. Secondly, all families of insured beneficiaries forming part of the group can be covered with a floater sum insured for each insured beneficiary and his/her family.

The company will bear medical expenses incurred for in-patient care treatment after a positive diagnosis of COVID test in a government laboratory or ICMR-approved private laboratories. This also includes treatment under Naturopathy, Ayurveda, Unani, Yoga, Homoeopathy and Siddha systems of medicines during the cover period up to the limit of the sum insured as specified in the certificate of insurance in any AYUSH hospital.

The company shall bear pre-hospitalization medical expenses incurred, related to an admissible hospitalization for a fixed period of 30 days before the date of hospitalization as covered under the certificate of insurance.

For self, spouse, parents, and parents-in-law, the age limit is 18 to 75 years old, while for dependent children, the age limit remains to be 45 days to 30 years

Price starting @
₹592 x 10 months

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