Buy a health policy that covers treatment at home and pays for consumables

Go for cashless treatment where available, as the reimbursement route is more burdensome

A non-governmental organisation (NGO), Manav Seva Dham, filed a public interest litigation (PIL) in Bombay High Court alleging that insurers had been arbitrary in rejecting health insurance claims during the Covid-19 pandemic. The Insurance Regulatory & Development Authority of India’s (Irdai)'s counsel assured the court that it would treat the plea as a representation and consider the NGO’s grievances. Even as the regulator reviews the cases of claim rejection, the pandemic holds many lessons for health insurance customers, which they should apply both while purchasing a health policy and making a claim.

Issues that arose during pandemic

Globally, insurers