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Do health insurance policies cover charges for Covid-19 home isolation?

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11 Oct, 2020 by  Viresh Verma

Do health insurance policies cover charges for Covid-19 home isolation?

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Health Insurance

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12 Oct, 2020
We breathe insurance :)

Hello Viresh,

Health Insurance available in India today is essentially a cover for hospitalization expenses.

Home Isolation purely for the purpose of isolation (only oral medicines given and tests done) is not covered under any health insurance policy. Such treatment does not require hospitalization.

Treatment that requires hospitalization, but is done at home due to a patient's serious health condition or when there are no beds available in your location - may be covered only if your policy covers Domiciliary hospitalization.

Hope this helps.

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12 Oct, 2020
Co-founder, SureClaim

Hey Viresh,

The answer to this question depends on what kind of health insurance policy one has and the nature of treatment required during home isolation.

A regular health policy covers cost of hospitalization, so mostly nothing would be payable for home isolation treatment by such policies.

If isolation is for preventive purpose and the concerned person may or may not be Covid positive, then there are anyways no expenses that will need to be claimed.

Let's say if person is covid positive and asymptomatic (not showing any serious symptoms and largely stable), then isolation is only to quarantine this person.

On the other hand, person may be showing mild symptoms and doctors are sure they can manage the patient at home by regular follow-ups remotely. In such cases, where person is covid positive and taking treatment at home on doctor's advice, then if patient has Covid Kavach policy, there is a possibility of claiming treatment expenses.

Please bear in mind that no health policy will simply pay any amount if a suspected case is asked to isolate at home. A lot of people feel that because there is probable loss of income or maybe because they're forced to quarantine, insurance companies have a liability to pay policyholders something. That is definitely not the case.

Anuj Jindal



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