Insurance against coronavirus in Russia

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

The world has changed, the life of mankind is in danger of being infected with the coronavirus. While doctors and pharmacists are struggling to get a medicine from it, many are thinking: how can you help yourself and your relatives right now? The answer is: medical insurance against coronavirus disease.

Description and price

The essence of health insurance in case of infection with coronavirus is to provide financial protection for treatment and hospitalization of an infected person in a hospital. Existing policies from Covid-19, offered by a whole list of companies, include the following costs:

• operational hospitalization;
• drug treatment in the infectious diseases ward;
• performing tests for SARS-CoV-2019, tests and blood sampling;
• provision of emergency medical care.

In general, an insured event under such a policy is:

• the appearance of a coronavirus disease - its detection through the observed symptoms and confirmation by analysis;
• death resulting from exposure to the pathogen of the coronavirus.

The list is general and consists of items, some of which may not be present in a particular policy. The content of the policy can also change, so you need to know exactly what the insurance premium is being paid for.

The difference from a regular insurance policy is that it only covers the risks that are associated with the occurrence of an accident, or (if the policy has a medical category) the occurrence of injuries not associated with an infectious disease. Coronavirus insurance policy is aimed exclusively at the negative impact of infectious diseases

The cost of purchasing a policy

The cost of insurance ranges from 500 to 5000 rubles and depends on a number of conditions:

• a company selling insurance;
• the validity period of the policy - from several months to a year;
• the spread of the program - the type of hospital and the severity of the disease;
• age of the insured - the more years a person is, the more expensive the policy;

• type of activity - the frequency and duration of stay in public places plays a role.

The average cost per person is about 2,000 rubles; for persons of retirement age, the cost may increase. For a family of 2-3 people, the price is about 4000 rubles. Payment for an insured event can be up to 2,000,000 rubles.

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What does insurance give

Having insurance from Covid-19 allows you to get:

• a one-time payment upon the onset of a disease - up to 100,000 rubles;
• financial support for hospitalization - from 1,000 to 5,000 rubles for each day of hospital stay;
• financial support in the event of death - a separately agreed amount is paid to the family, relatives or the person indicated in the contract.

Separately, there may be a limitation on the maximum amount of support for staying in a hospital, for example, 50,000 or 100,000 rubles.

Such protection is medical, but only for the coronavirus on most proposals. There are packages that also cover certain diseases such as fever, anthrax and malaria. In addition to extended responsibilities, the proposal also has an extended geography, operating all over the planet.

It is possible to issue it for yourself, your spouse, children, parents or relative. Due to modern possibilities, it is not required to have a pack of documents on hand - an electronic policy is valid and sufficient.

It is important to remember that the policy does not come into effect immediately: after all formalities are completed, it will take 1 to 5 days for the coverage to take effect.

On certain conditions (for a surcharge or a reduction in the validity of the policy), it is possible to get medical advice via the Internet - a limited number of times or an unlimited amount of calls. In this case, it is allowed to apply not only to a therapist or pediatrician, but also to specialists of narrower areas. Information exchange format: text chats, audio or video calls. This option will cost up to 1,500 rubles.

For an amount of up to 5,000 rubles, access to a urologist, endocrinologist, and gastroenterologist is opened, it becomes possible to receive explanations on the tests and consult another doctor on the prescribed treatment.

The following nuance is possible: when a person is issued a policy, his family members become automatically insured.

In the event of an event stipulated in the insurance conditions, the financial effect of the policy is activated by calling a special hotline or notifying via e-mail.

Registration procedure

Almost all insurance companies offer clear terms and conditions. In case of ambiguity, managers (specialists in the field of insurance and document management) give answers to all questions. Almost everywhere there is an opportunity to leave a request or order a call to complete a consultation and conclude a contract.

The registration process consists of the following stages:

• data study and instructions for concluding a contract;
• filling out a questionnaire - passport and some other personal data, medical information;
• based on the information provided, the cost of the future policy is calculated - with consent and no adjustments, the invoice is paid;
• signing the contract and closing the deal.

All operations are performed via the Internet, there is no need to go to get papers. Payment is also made at home - through a transfer from a bank card or an online source.

Upon completion of the "paper" work, a specially created form is sent to your e-mail - it bears the force of this document and is valid throughout Russia.

Outcomes

A COVID-19 policy isn't cheap. But it should be purchased by people aged 60+ and those who have chronic diseases, since these are the categories that are at risk. Also, insurance makes sense if the work is associated with constant contact with people.

You can buy insurance against coronavirus in Russia online. The main thing is to carefully read the terms of insurance. Find out how payments will be calculated - one-time or for each day of stay in the hospital and on what day the insurance starts to be valid.