Cost and Limits of Covid claims


Corona

Dear Sir,

Health Insurance cares for the safety of you and your family members during this pandemic. We urge you to take utmost care of your health and stay safe.

As your preferred insurance partner, we strive to provide maximum support, assistance and valid information to our customers about the ongoing healthcare related developments.

In accordance to recently published Regulatory guidelines, the rates for COVID-19 treatment have been revised with effect from 7th July 2020.

Please refer to the rates mentioned below:
The revised rates include:

Consultation
Nursing Charges
Room Stay & Meals
COVID testing
Monitoring & Investigations –Biochem & Imaging; Physiotherapy
PPEDrugs & Medical Consumables
Biochemical Waste Management & other Protective gear
Bed side procedures like Ryles tube insertion, urinary tract Catheterization

The Exclusions Per Diem Basis are:Interventional Procedures like, but not limited to, Central Line insertion, Chemoport Insertion, bronchoscopic procedures, biopsies, ascitic /pleural tapping, etc, which may be charges at the rack rate as on 31 st December 2019High end drugs like Immunoglobulins, Meropenem, Parentral Nutrition, Tocilizumab, etc – to be charged at MRPHigh end investigations like MRI, PET scan – to be charges at rack rates of hospital as on 31 st December 2019Dead body storage & carriage @ Rs. 5000/-Treatment of any co-morbid conditions, an additional amount of up to Rs. 5000/- would be allowedPlease note that above cost is set for Metropolitan cities only.Other state capitals will have cost up to 90%.All other states will have up to 75% of the above mentioned cost.

Investigations will be part of per day cost but some of the investigations which are done frequently have also been capped as below:
Arterial Blood Gases (ABG) – Rs.400/-
Blood Sugar Level (BSL) – Rs.100/-
D – Dimer Levels – Rs.800/-
Haemograms – Rs.150/-CT
Chest – Rs.3500/-
X-Ray Chest – Rs.500/-
ECG – Rs.300/-

These rates will be applicable to both cashless and reimbursement Covid-19 claims in States/Union territories/Cities where any Government Authority has not published standard charges for Covid-19 treatment. Wherever, Covid-19 treatment charges have been published by any Government Authority, those charges shall be applicable to insurance claims with insurance companies.