COVID-19 Insurance Claims Assistance.
We are here to provide you with assistance related to Covid-19 Claims. We are providing assistance not only to our customers but also to others too.
Email: claims@policyinn.com
Covid-19 Insurance Claims FAQ
A list of frequently asked questions. Kindly refer to the Policy Terms & Conditions.
1. I do not have a mediclaim policy. Can I take a Health Insurance now and if I am hospitalized due to Covid-19, whether I can claim under this policy from day one?
You may buy a new insurance policy now. All Health Insurance policies have a waiting period of around 30 days. Any claim within waiting period from the date of inception are not payable. There are lot of Covid-19 specific policies available now. Contact our Customer Support Team to know more.
2. My policy is due for renewal. Due to present lockdown, I am not able to go to concerned office for payment of premium and renew the policy. What should I do?
You can log on to the website or call the customer service centre of the insurance company giving your expiring policy number and customer id and renew the policy. Alternately, you can also approach us to help you renew your policy.
Further, If your policy renewal is between 25/3/2020 to 03/5/2020, the premium can be remitted on or before 15/5/2020. The policy is renewed from due date without any break in coverage, provided the premium is remitted on or before 15/5/2020.
3. In case of claim, what should I do and whom should I contact?
You should contact our Claims team at +91 7994333464 or email: claims@policyinn.com. Our team will guide through the entire claims process. The claims are being serviced by the Third Party Administrator (TPA) whose name and contact details are printed in the policy schedule. In case of planned hospitalization, please inform us or the TPA in advance and in other cases, the claim intimation needs to be given within 24 hours of hospitalization.
4. Whether claim pertaining to COVID 19 are payable?
The treatment at Government hospitals is free of cost but if incurred at a hospital authorised by the Government Authorities and is so accredited or hospitals permitted by ICMR the Hospitalization expenses due to COVID-19 are payable just like other claims, subject to the terms and conditions of the policy.
5. Is the cost of quarantine for COVID 19 covered under the policy?
In case it is advised by Government, it is conducted at Government Hospitals or facilities and is currently provided free of cost.
6. Is the diagnostic test for COVID 19 covered under the policy if ordered by the Government?
In case it is advised by Government and it is conducted at Government Hospitals/ Labs, it is free of cost.
7. Will the diagnostic test for COVID 19 covered under the policy if tested positive?
Yes, provided the insured person is hospitalised at the Government accredited hospital or hospitals permitted by ICMR for a minimum period of 24 hours and cost of test is payable under pre hospitalisation expenses.
8. What happens when I undergo testing for COVID 19 and it turns out negative? Will I get the expenses for the investigation reimbursed?
No. Any expenses incurred without hospitalization of 24 hours is not payable under the policy.
Further any hospitalisation needs to be as advised by the Government Authorities/ ICMR listed hospitals.
9. Is the treatment cost of my family members covered if they have acquired the COVID 19 infection because of me?
Admissible subject to :
a. They also having a valid insurance in force
b. Hospitalisation of minimum 24 hours at Government accredited hospital or hospitals permitted by ICMR
c. Other conditions mentioned in this FAQ are complied.
10. What about the quarantine expenses of my family members incurred because of me, who is the carrier?
In case it is advised by Government, it is conducted at Government Hospitals and facilities and is provided currently free of cost.
11. Do I have to pay additional premium for covering COVID 19 under my health Insurance?
There is no additional premium to be paid for covering COVID 19. Most of the Mediclaim policy covers hospitalisation expenses due to COVID 19. But there are currently policies which provide additional cover for Covid-19, please contact us for more details.
12. Are treatment taken for COVID 19 in private hospitals covered under the policy?
Yes, provided the hospital is authorised by the Government Authorities and is so accredited or hospitals permitted by ICMR. If the hospitalization falls within the scope of the policy terms and conditions, it will be covered.
13. Is the Cashless facility available during this lock down?
Yes, the Cashless facility is uninterrupted and can be availed at the Network Hospital. Kindly contact us or the TPA with a valid insurance policy for assistance.
14. Due to lockdown, I am unable to submit the documents to TPA for reimbursement. What do I do?
Please get in touch with us or the TPA and seek help.
15. For any other Questions or additional clarifications?
You may please call our : Claims Support (+91 7994333464) or write to us at claims@policyinn.com
16. How to buy a Medical Insurance Policy or a Covid-19 Specific Insurance Policy ?
You may please call us at : +91 9946108855 or +91 9745914954 or Whatsapp : +91 9895755464
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