How to Protect yourself from Omicron All health plans cover Covid-19 treatment

Health Insurance

Health insurance takes care of your medical expenses and ensures that out-of-pocket expenses are curtailed up to the Sum insured
A health insurance policy ensures that you can avail cashless treatment at a network hospital, typically covering 30 days and 60 days pre and post hospitalization, respectively, in most of the Health Insurance plans.
One can add value to the Base Health Insurance Plan by complementing them with additional benefits such as Personal Accident (PA) Cover, Critical Illness (CI) Cover, etc. These products are available at a very nominal cost adding benefits, which are not a part of the Base Health Insurance plan. For Example, A PA plan helps by providing coverage for disability, which is typically not covered under the basic health insurance plan. An individual needs not go through any waiting period and medical checkups for a PA cover
One can also invest on one of the popular senior citizen health insurance policies and ensure comprehensive security for their elderly parents or secure their old age that often brings along several ailments that require expensive medical treatment
Almost all the health insurance plans include Coronavirus treatment cover. As per the IRDAI guidelines, insurers have also launched COVID-19 specific best health insurance
Two special COVID health insurance policies namely, Corona Rakshak policy and Corona Kavach policy also introduced that provide lump sum payment upon diagnosis and also pay for the cost of consumable items like PPE Kits, Masks, Gloves, etc.

Benefits of Health Insurance Health Coverage

Health Insurance plans have enhanced offerings to cover a wide spectrum of requirements, like a family health plan offers complete cover to all members of a family under a single umbrella.

Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization
Pre-existing Diseases: Coverage for any pre-existing disease is provided to you after a certain waiting period.
Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical
Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 75,000.
Tax benefits are subject to changes in tax laws.
Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hours for claim reimbursement. Standalone OPD plans are also available in the market.
Low-income communities suffer from poor health conditions due to limited preventative and treatment care. Due to poor health, these families are more likely to spend more of their earnings treating and addressing health emergencies. Unfortunately low income families, who are at more risk of suffering from health conditions, do not have equal access to health services. The Indian healthcare system is overcrowded, under-resourced, and does not have the supply of specialists and trained professionals to meet demand. Additionally, for poor and rural communities, health facilities and resources are often too far, too difficult, or too expensive.
Many conditions that cause health problems can be prevented, mitigated, or treated before they become critical. Since women and communities often suffer from low levels of education and a reliance on informal, superstitious treatment, preventable conditions often become dangerous and serious.

SEWA leads interactive health sessions in communities that identify chronic and reoccurring health conditions. SEWA provides information on how to treat and prevent conditions, such as malnutrition, pre and post-natal care, family planning, menstrual hygiene, and water sanitation. SEWA also helps women be able to identify symptoms of illness early and provides them with information on how to access care, providing linkages to hospitals, health centers, and other services.

SEWA also uses health sessions as a mechanism to identify and address issues that are prevalent in communities that can be addressed by creating policy and assistance from municipal and regional governments.