Ever since the outbreak of COVID-19 in March 2020, three new variants of SARS-CoV-2 have been identified with the latest one being omicron, the third variant.
Though this new variant is less severe than the delta strain, it has been rapidly spreading and even causes death in some cases. While the Government of India has made vaccination mandatory, still people are getting infected with various COVID-19 variants. People are also dying due to multiple pre-existing conditions and co-morbidities. Lack of availability of hospital beds and high medical inflation is a cause of worry for many. Hence, the best way to stay protected against this life-threatening virus is to take the necessary precautions by getting a good Health Insurance.
Get vaccinated
The first step to stay protected against the virus is to get vaccinated. Three types of COVID-19 vaccines that are available are- Covidshield, Covaxin, and Sputnik V. Though these vaccines do not offer 100% protection, they can certainly help in reducing the severity of the infection and make the immune system stronger. One can take these vaccines from registered government facilities or nearby hospitals. The vaccines can be taken for free or by paying a certain charge which may vary depending on the hospital or facility. Slot for vaccination can be booked through cowin by verifying mobile and aadhar card number.
Mask Up
The Government of India has made it mandatory for people to wear masks when in public, indoors in social gatherings, traveling or even while in office. Wearing the mask helps in preventing the spread of the virus which usually happens when talking, breathing and coughing. One should also pay attention to the quality of the mask as a cloth mask is less effective in controlling the spread in comparison to N95 masks. It is necessary to wear the mask properly covering the area above the nose and around the chin. Cover your mouth
Apply hand sanitizer often
Practicing good hygiene is important to prevent yourself from the virus. Wash hands frequently using soap and water and when traveling keep a sanitizer handy. Ensure that the sanitizer you use contains at least 60-70% of alcohol and is good for the skin too. Avoid touching any surfaces in public areas and in case you do then immediately sanitize.
Get health insurance
Medical emergencies are uncalled for and with COVID spreading rapidly, it is best to stay financially protected by availing a health policy. Medical inflation too is on a high.
Buying a health insurance policy protects you because it pays your hospital bills in case of hospitalization and also pays for pre and post-hospitalization expenses. You can also avail cashless treatment if you are hospitalized at a hospital that comes under the network of the insurer. It is best to purchase health insurance at the earliest because in the case of COVID-19, coverage is offered only after a waiting period of 30 days. So in case if you buy a health policy today and get affected due to COVID-19 in the next 15 days then the insurance company will not cover the cost of the treatment. However, it is important to note that the coverage might vary from insurer to insurer.
Not having a health policy can strain your finances and land you in debt. It is best to purchase health insurance or corona insurance policies like corona rakshak or corona kavach to stay covered.
Other precautions to keep in mind
- Keep your travel limited
- Be at a distance of at least 6 feet from others
- Avoid crowded places
- Do not touch your nose, eyes and mouth
Conclusion
Buying a COVID-19 insurance policy and practicing caution is the key to keeping your finances and health safe. Stay indoors and take the above steps to keep yourself and your loved ones protected.
Also Read: GPA & GMC in Health Insurance Plans
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