SACHA ADVICE. ACHA ADVISOR.
back arrow Back

Need clarity on how patients with a history of Covid will be under-written

reply Share
10 Jun, 2022 by  Kiruthika Palaniswamy

like like
0

3 Answer

Post
13 Jun, 2022
connect with advisor

Hi,


Underwriting for members with a history of Covid-19 purely depends on the severity. If the member got recovered on a home quarantine basis, the insurer may not necessarily ask for any additional requirements & the policy would get issued basis the self-declaration in the proposal form. However, in cases where hospitalization was needed, supportive medical documents are to be attached & thorough underwriting will be done before the insurance company takes a decision about the policy issuance. Also if the member has a negative covid-19 report, then most companies are accepting the application after 15 days from the date of the test report.


Hope this answers your query...


Satish Kumar H


like like
0
icon-comment 0 Comments
icon-reply Reply
connect with advisor
13 Jun, 2022
MBA | 5 years experience
connect with advisor

Hi,


This will be case to case basis. It will all depend on how long did the patient take to recover from Covid. Incase there was hospitalization discharge summary would be required to be submitted. Even if there was no hospitalization one would still be required to declare the same in the proposal form.


Regards

Rohit Dhingra

like like
0
icon-comment 0 Comments
icon-reply Reply
connect with advisor
14 Jun, 2022
CEO, Insurance Samadhan

Dear Kiruthika

Agree with both experts , underwriting will be done on the basis of Covid hospitalisation report .

Most cases are getting accepted without any question.

Hope this clarifies

like like
0
icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!

LIFETIME FREE

Rs. 1799

or

Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to info@beshak.org now 🙂