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Health Insurance after history of COVID19

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30 Oct, 2020 by Sanjay Ram Mane

hi i and my son tested covid positive on 5 th oct 20%2C i was home qurantined and my son hospitiled and discharged o 14 oct . now can i have health insurance policy for both of us

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30 Oct, 2020
Team Beshak

Hello Mr. Mane,


The medical world and Insurers are currently in the unknown to completely understand the after effects of COVID19 - hence they are likely to take cautious steps before they approve health insurance coverage.


Insurers are likely to take the following approach:

  1. Postpone: Approach the insurance company for insurance after 6 months from the date of recovery from COVID19
  2. Detailed evaluation: Thoroughly evaluate your health condition post recovery - They may ask for all medical investigation papers (like discharge summary, diagnostic tests, etc.), tele-evaluation or interview to understand your current health condition - and if there are any after effects. Insurers are also likely to request for a medical test.
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