The year 2020 has begun on a rather unusual note - a pandemic. As much as all of us would like to forget it as a bad dream, 2020 brought along an uninvited guest in the form of the novel Coronavirus pandemic. Also known as the COVID-19 disease, it first emerged in China’s Wuhan City in Hubei province in the last few days of 2019.
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In less than 3 months, the disease was declared as a pandemic by the World Health Organisation (WHO) as it spread across the world.
Before you know about the preventive measures and COVID health insurance, take a closer look at what exactly is a coronavirus?
Coronavirus is a strain of virus transmitted from animals that cause a variety of respiratory health problems in humans, ranging from the common cold to pneumonia. It is the same strain of the virus that had caused Middle East Respiratory Syndrome (MARS) and Severe Acute Respiratory Syndrome (SARS) in the past.
Currently, the world is experiencing a new strain of coronavirus known as COVID-19 or the coronavirus disease 2019. Although COVID-19 is believed to be originated from bats or pangolins, there is no proven evidence in support of the same.
Today, over six and half months after the first case was reported, more than 13 million people have been infected with the disease out of which over 580,000 people have died (as of 16 July 2020). India alone accounts for 968,876 COVID-19 cases with 24,915 deaths as per the data released by WHO on 16 July 2020.
In the last six months of its existence, the COVID-19 has shown a wide range of symptoms in humans. To be precise, coronavirus affects different people differently depending on his/ her immunity. Besides, it has an incubation period of up to 14 days within which the symptoms may begin to appear. Some of the most common symptoms of coronavirus are:
However, if not treated timely or adequately, coronavirus can lead to serious health conditions, including:
A major section of COVID-19 positive people is asymptomatic. Also, people with mild symptoms can be treated at home. However, if the symptoms do not go away within 10-14 days or get worse, the person should be immediately shifted to a hospital. In the case of hospitalization, your COVID health insurance can support you financially.
The coronavirus can very easily spread from an infected person. No wonder, the entire world is struggling to keep the disease under control. As per health experts, coronavirus can be transmitted from an infected person to a healthy person in the following ways:
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Nobody could have predicted the exact trajectory and mayhem caused by the coronavirus. After months of lockdown, social distancing and home quarantine have become a part of our day-to-day lives. Every morning, the world wakes up with the hope of getting some positive news about the end of the pandemic and the availability of vaccines. But even today, no government or scientist can guarantee when the world can be coronavirus-free. Besides, no vaccine or cure for COVID-19 has been found till date.
In such a scenario, the best option to stay safe and away from COVID-19 is to follow all the preventive guidelines and get yourself & your family covered under a COVID health insurance policy. Here are some of the precautions that you can take to stay safe from coronavirus:
If you are been tested positive with COVID-19 and are either asymptomatic or have mild symptoms, you can treat yourself at home. Wondering how? Following are some of the ways to treat coronavirus at home in case of mild symptoms:
Don’t forget to isolate yourself from the rest of your family to prevent them from getting infected with the coronavirus.
In case your health worsens or you develop serious symptoms, then you should immediately get admitted o a hospital. Once hospitalized, you will be taken care of by the doctors who will provide you with the best treatment possible.
However, the treatment of coronavirus in a hospital can get really expensive, given the diverse nature of health conditions it can lead to. If unfortunately, you or any of your family members are required to stay hospitalized for long, it can eat away all of your savings. To eliminate such a situation, you should get yourself and your entire family covered under a COVID health insurance policy.
COVID health insurance is a standard health insurance policy that covers hospitalization expenses incurred on the treatment of coronavirus disease or COVID -19. As per the guidelines of the Insurance Regulatory & Development Authority (IRDA) of India, insurance companies in India are offering two types of standard COVID health insurance plans to the public. They are:
Both Corona Kavach plan and Corona Rakshak plan is available for a sum insured ranging from Rs 50,000 to Rs 5 lakh. Moreover, you can choose to buy this COVID health insurance plan for a tenure of 3.5, 6.5 or 9.5 months. However, both these plans come with a waiting period of 15 days.
If you want to buy COVID health insurance policy online for yourself or your entire family, you can visit online insurance brokers such as Policybazaar Insurance Brokers Private Limited (formerly known as Policybazaar Insurance Web Aggregator Private Limited). You can select coronavirus health insurance and enter the required details while filling the form. Insurance quotes from various health insurers will be available. You can choose the plan that best suits your needs and pay the premium online. The insurance company will issue your COVID health insurance policy once they receive the payment.
In a Nutshell
Coronavirus is a disease that can only be defeated if we all fight collectively. The important point is to take all necessary precautions to avoid getting infected and curb the spread of the disease. In case you do get infected with coronavirus, you should be prepared to tackle it with all means even if that means staying covered under a COVID health insurance policy. Stay home and stay safe!
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