Corona home treatment: On average, people receiving mild symptoms are getting a claim of only 15-20 thousand.
10-50 percent of the sum assured is available.
In this time of crisis, if you are experiencing mild symptoms of corona, then sankar is also appealing that instead of going to hospital stay at home. The government is making this appeal because needy and serious patients are not getting beds in the hospital. On the other hand, insurance companies are adopting a different policy regarding home treatment in Corona cases. The insured is not getting a proper claim. Most insurance companies do not even want to cover home treatment.
Last year, the insurance regulator IRDAI had directed the insurance companies to cover the treatment of the house. Apart from this, Corona Special Insurance ‘Corona Kavach’ policy was also launched. Inspite of IRDAI’s directive, insurance companies are not paying attention to home treatment like that. According to the money control report, if someone gets his treatment at home, then only 10-50 percent of the sum assured is covered.
Claim settlement is not being done correctly
According to the report of the Times of India, insurance companies are not making claim settlement properly in cases of home treatment and it is proving costly for the people. According to the data as of May 14, about 14.8 lakh cases of corona claims have been reported so far. Mediclaim settlement has been done in 83 percent of these cases. Settlement is still bankable in 17 per cent cases. There are about 2.5 lakh cases which are pending before insurance companies.
22955 crore claim so far
So far, COVID Health has claimed Rs 22955 crore. In this, the case of 11794 crore has been settled while the settlement of 11161 crore is pending. 57443 cases have also been rejected. According to the TOI report, insurance companies are sanctioning an average of Rs 15-20 thousand for home treatment. The General Insurance Council says that the home care bill should be 20 per cent of the average hospital bill.
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