1. For COVID-19 related hospitalizations, waiting period has been reduced to 15 days from 30 days
2. In case of death of an insured person, who was admitted for COVID-19, claim will be paid even if the hospitalization is for a period of less than 24 hours.
3. In case of death of an insured person, who was admitted for COVID-19, all non-payable items will be paid for.
4. If in a policy year, the only claim that the insured made was for COVID-19, then there will be no impact on NO CLAIM BONUS or BOOSTER BONUS.

Pls. Note: all the above pointers are applicable for COVID-19 cases only and this change is for ReAssure/Heart Beat/Health Companion/Health Premia/Health Pulse/Health Recharge/GoActive/Arogya Sanjeevni/Max Health Plus

*The changes are applicable for all policies purchased till 14^th July 2021. All other terms and conditions of the products will remain same.

In case you are eligible for hospitalisation coverage under your policy, your pre and post hospitalisation costs will also be covered as per the specific terms of your policy.

Also, in case the policy has an in-built OPD benefit, expenses towards treatment taken at home can be reimbursed as per policy terms.

No, our policies are designed to provide you comprehensive coverage when you need it and there are no exclusions or loading applied in case you claim.

Yes, if there is a hospitalisation related to the viral infection, we will cover the same as per your specific policy benefits

No, since these viral infections are not a part of pre-existing ailments it won’t have any waiting periods  However, all health insurance policies have a standard waiting period of 30 days from the date the policy is purchased.

Coronavirus is an epidemic currently closely managed by the Government of India and the Health Ministry. Treatment protocols are defined and managed in a concerted effort to reduce transmission. We would suggest that you contact the central helpline in your city who will advise you on next steps. All tests for detection are currently being done in government approved laboratories and specific quarantine facilities built for Coronavirus patients. However, in case of a hospitalisation, the claim process will be similar to other disease conditions. You can contact our helpline 1860-500-8888 for more details. Our claims process is also available on our website. We are committed to expedite the processing of all such claims.

No! As a customer centric health insurance company, we will continue to support all Coronavirus patients as per their policy terms and conditions.