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HDFC Ergo - Covid home isolation claim not covered post 30/09/20.
I have HDFC Ergo health suraksha policy (Rs 5 L, individual) and I am tested +ve for Covid-19 yesterday. As I dont have any major symptoms, I am advised for home isolation and getting treated by my family physician. I inquired to the insurer to admit such claim but they said Home Isolation amendment was until 30/09/20. Isn't this bad as now so many new cases are there everyday and we really dont have that much medical infra to tackle!!
Thankfully, I am also covered through my employers group mediclaim (Bajaj Allianze) and they will pass upto 20k claim amount. I also bought Reliance GIC Covid policy (bought in May20, after reading Mahavir sir thread on Twitter) which will pay Rs 1 Lac flat upfront so I am safe. Experts comment. (P.S. - I am also IRDA qualified agent.)