Nagpur: Experience during pandemic may have increased demand for health insurance but those recovering from Covid find it difficult to increase the current cover.
Post-covid health problems also inhibit their insurance.
Insurance companies disappoint the increase in the insuranceer under the existing insurance scheme for covid-restored patients.
The increase is additional and above the old policy.
Although separate insurance policies can be taken, it is done only after comprehensive supervision, said the source in the insurance advisory business.
New policies triggered when there is a facility of fatigue and without cash generally not available.
In the case of severe Covid, several insurance companies also deny the application for separate insurance protection, said source.
There are several exceptions with a liberal approach too.
This is a standard practice for insurance companies to delay insurance for one or six months after the main disease.
This is also being applied in the case of Covid Severe.
However, Covid cases have their own complications.
Each post-covid case is also examined thoroughly with special emphasis on health conditions developed because of Covid.
Patients end up with complications such as high sugar levels, hypertension and even joint pain.
This condition is taken as a underlying disease and excluded in the insurance policy.
This means that the disease will not be borne for the first three to four years.
Manoj Aya from the GNTL financial service said that customers must provide a self declaration that they do not have covid.
After that the overall investigation begins.
Not only was a summary of release but even a report on the department of hospitalization with a day-to-day account living in a hospital was being studied.
If someone is in a ventilator or other oxygen support, it is possible that insurance can even be rejected.
In some cases, certain diseases are considered a co-morbidity under the Covid protocol it has become the reason for rejection.
The reason is that it can be a serious complication if someone becomes covid.
“My parents’ application for insurance cover is rejected because they have high sugar levels.
In their normal courses it can be insured together with an exclusion clause.
They are not infected with Covid anytime,” said Prasnana Dani, an insurance advisor himself.
Patients with post-covid joint pain tend to get policies with the exception of the closing of the treatment of knee replacement, the source said.
Top-up insurance is increasingly difficult for Covid recovering
