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I already have a sufficient health insurance - Should I still buy Corona Kavach/ Rakshak?

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26 Apr, 2021 by  Manoj E

I have a health insurance plan from Future Generali with a cover of 15Lakhs floater for myself and my wife. Do you think we should still buy a Corona Kavach or Corona Rakshak? IMO - the cover I have should be enough even in case of a Covid admission - am I missing something?

Health Insurance

2 Answer

26 Apr, 2021
Chartered Accountant, Personal Finance Advisor

Hey Manoj,


There have been good number of questions asked on Beshak forum in past few days. Here's the link to the article updated couple of days ago on Beshak which will answer your question.

Health Insurance In The Time Of Covid19 Pandemic (

If you still have any questions you can post them here.


Happy Reading

Stay Safe


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27 Apr, 2021
We breathe insurance :)

Hello Manoj,

Despite a good cover, you could face deductions with respect to room rent limit (hospitals are overcharging for rooms), special hygiene costs with respect to COVID not covered by regular health insurance.

To cover these deductions, it makes sense to spend Rs. 2-3K on a Corona Rakshak policy, which pays Rs. 2.50 Lakhs as cash benefit in case of 72+ hours of hospitalization due to COVID19.

More details here: Health Insurance In The Time Of Covid19 Pandemic (



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