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Is your health policy Covid-ready? Key features you must look for
Sanjeev Sinha
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With Covid-19 cases in India crossing 1,000, policyholders must assess whether their health insurance policies offer adequate coverage and possess the features required to deal with this threat.
Gaps uncovered
The limitations of many retail health policies were exposed during the first and second waves. 'These included sub-limits on room rent, and exclusion of non-payable items like PPE (personal protective equipment) kits,' says Bhaskar Nerurkar, head – health administration team, Bajaj Allianz General Insurance.
The rigid definition of hospitalisation was another impediment. 'Domiciliary treatment was not commonly covered across plans at the time,' says Siddharth Singhal, head of health insurance,
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