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Health insurance: do you need a vaccination to make Covid-19 claims?

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The insurance regulator had also asked insurers not to deny claims due to the pandemic status of the disease.

The novel Covid-19 coronavirus has wreaked havoc around the world, including India, causing widespread infections, deaths and economic disruption. So far, over 1 million people have been diagnosed with the disease in India, resulting in the death of over 1.5 lakh.

The outbreak of illness from the Covid-19 infection has led to an increase in health insurance claims and demand for health insurance coverage. To meet the demand, the Insurance Regulatory and Development Authority of India (IRDAI) had asked health insurers to launch Covid-specific policies – Corona Kavach and Corona Rakshak – with uniform features.

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The insurance regulator had also asked insurers not to deny claims due to the pandemic status of the disease.

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Apart from that, the nationwide lockdown imposed to contain the spread of the highly infectious disease has resulted in a severe economic downturn followed by job losses, wage cuts and financial hardship for many people.

As a result, the rapid development and administration of vaccines to contain the spread of Covid-19 has become necessary and a number of vaccines have been prepared in record time by various countries.

Corona Kavach and Corona Rakshak: Q&A on Covid-specific health insurance plans

Launched on January 16, 2021, the Covid-19 vaccine was first administered to healthcare and frontline workers in India. People over 60 were in the second group who received the vaccine from January 1, 2021, and people aged 45 to 59 with co-morbidities became eligible for vaccinations from March 1, 2021.

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With the vaccines now available to build immunity against infection, there are fears that Covid-related health insurance claims may be rejected for those who do not take the vaccine and are infected.

When asked about this, Dr Bhabatosh Mishra, Director of Underwriting, Products and Claims, Max Bupa, said: “We advise people not to pay attention to such rumors. There was no such plan on our part or communication from IRDAI to this effect. It is important that people get vaccinated. The vaccination campaign is in full swing and our vaccines are among the best in the world. People should get vaccinated to protect themselves and others. “

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Thus, vaccination is not necessary for making health insurance claims, but for your own safety.

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