Recently, insurance companies have given clear information about this to IRDAI through General Insurance Council. All insurance companies are members of this industry body. However, this will not include the cost of applying the vaccine. In order to take benefits under all health insurance products, the policyholder will have to be hospitalized for at least 24 hours for treatment.
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In fact, many healthcare workers had approached Non-Life Insurers for clarification about this. They wanted to know whether it would be covered under their policy on the severe reaction of the vaccine. So far, 15.8 lakh people have undergone corona vaccine. 1,238 people have given information about its reaction. The Health Ministry has informed that only 11 of these people need to be admitted to the hospital. So far 6 such healthworkers have died, who have been vaccinated. However, the government has informed that these deaths are not related to the vaccine.Insurance companies Says that many types of information were sought regarding the reaction of the vaccine. Clear information about this has been made available to the insurance regulator. Quoting a senior official of a government insurance company, this report said, ‘It would be wrong to say that we will not cover such claims. The status of hospitalization under any health policy will not be excluded from its purview.
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How can I file a claim?
For this, the process of filing a claim will be similar to the health insurance claims process. If any policyholder comes to know about the vaccine and after its reaction, then they will have to inform the insurance company about this.
Depending on the health insurance policy, the person will get cashless cover or will get reimbursement benefits. The amount of the claim will depend on the policy size, room rent and other charges including doctor’s fees.
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It is also worth noting that the condition of hospitalization can be claimed only after applying Corona vaccine and due to this there is a serious problem. For minor fever, body ache, this claim cannot be done for treatment or medication from local doctors.