Who should buy coronavirus insurance and why
Miscellaneous / / July 31, 2021
Almost everyone, but the details depend on age and lifestyle.
Why do you need coronavirus insurance
She, like any other insurance, is necessary for one thing - to pay a little now, so as not to lose a lot of money in the future. Essentially, this is risk management. While some problems are difficult to avoid, they can be anticipated and mitigated.
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What risks does coronavirus insurance cover?
Several dozen insurance companies and banks now offer coronavirus insurance. Each firm decides for itself what risks of the client it covers and how much it will pay, but the general principles have already been established. Standard insurance covers the four main risks associated with coronavirus. They are relevant for almost every person.
Diagnosing coronavirus
To confirm the disease, you need a PCR test and a doctor's diagnosis recorded in the medical record. When the information is provided, the insurance company will pay from 20,000 to 50,000 rubles. And it doesn't matter if you had to take sick leave or if it was hard
infection.Not all companies cover the risk. This service is offered, for example, by Alfa-Bank, Gazprombank and Sberbank. Moreover, everything is specified in the conditions that the disease should be diagnosed for the first time, and the payment will be a one-time payment.
Hospitalization for treatment
If a person ends up in the hospital, then the insurance will pay for each day that the patient spends there. In money terms, this is usually from 500 to 1000 rubles, but the term is set different: from 21 to 90 days. The maximum we managed to find was 150,000 rubles.
This service is offered by Capital Life, Renaissance Insurance, Rosbank, Rosselkhozbank, Sberbank, Consent and Tinkoff Bank. Each firm is willing to pay for a different hospital stay.
Disability due to illness
This happens when a person with a confirmed coronavirus does not end up in the clinic, but simply goes to sick leave. Then the insurer pays 3-4 thousand rubles for every day outside of work. But it is important to clarify the number of days - companies have deadlines.
This risk is covered by a few firms, such as Renaissance Insurance and Rosgosstrakh.
Death due to coronavirus
Worst but possible option that all insurers cover. In fact, this is the basic life insurance: there is a not very likely accident, protection from the consequences of which can be offered to each client. The standard payment to relatives is from 500,000 to 2,300,000 rubles.
An important point is that insurance companies require confirmation that a person died from a coronavirus infection.
This usually means that the cause of death must be a disease.Respiratory diseases, J00 – J99 / International Classification of Diseases, 10th revision from the group of respiratory diseases, and the coronavirus must be confirmed. If there is a coronavirus, and death occurred from a heart attack, it does not count. And even if a person dies of pneumonia, but the tests are negative, it also does not count.
Additional terms
Such offers vary greatly from insurer to insurer. Some options are immediately included in the policy, others are added for an additional charge:
- compensation for travel cancellations due to illness or newly closed borders;
- compensation for quarantine accommodation at the observatory;
- compensation for returning home;
- legal and psychological support;
- medical transportation to the clinic;
- payments for rehabilitation and treatment for complications after illness;
- posthumous repatriation of a body from another city or country.
Who needs coronavirus insurance
All people have their own peculiarities of life, rest and work. But there are ages and situations when it is worth thinking about insurance.
For people aged
Severe complications after illness are more common in older people. This means that they may need rehabilitation and additional medications. Procedures takeRehabilitation will be needed for everyone who recovered from coronavirus / Ministry of Health of the Russian Federation from 6-12 weeks, and not everything is available under the compulsory medical insurance policy - in this case, the insurance will cover the costs.
It is very important to re-read the age restrictions that each insurance company sets several times. Firms know that older people are less tolerant of infection, so they sometimes lower the bar.
Age | Insurance companies |
Up to 60 years old | Alfa-Bank, Capital Life, Rosbank, Rosselkhozbank, Consent |
Up to 64-65 years old | Gazprombank, Renaissance Insurance, Sberbank |
No age limit specified | Tinkoff Bank, Rosgosstrakh |
People with chronic diseases
Doctors believeWho is at high risk from coronavirus (clinically extremely vulnerable) / National Health Service UKthat people with these dangerous diseases are at great risk:
- oncology;
- cardiovascular disease;
- allergies;
- pulmonary pathology;
- diabetes;
- kidney disease;
- rheumatic diseases.
People with such pathologies, like the elderly, are more likely to face complications after infection. Again, it's worth considering financial risk management.
True, it can be tricky. Each insurance company prescribes something like this in its rules:
Translating from legal: people with potentially dangerous diseases will either be denied insurance, or it will be more expensive because of the high risk for the company.
When concluding a contract, no one will check for diseases, and you can take out insurance on general terms. But if, for example, health problems are revealed during treatment, then the contract is simply declared invalid and nothing will be paid.
All family and friends on the trip
Getting sick with coronavirus in another country not only fearfully, but sometimes very expensive. For example, air traffic between Russia and Thailand openly, you can fly away to rest without any special formalities. But the coronavirus has not gone anywhere, but is getting infectedWHO Dashboard Thailand / World Health Organization there are 5-6 thousand people every day. And if a traveler gets sick, hospitalization will cost 600-800 thousand baht, that's 1.4-1.8 million rubles.
If the insurance covers at least most of the costs of overseas treatment, then it's already good. But it's important to study the coverage area.
Insurance coverage area | Insurance companies |
The whole world | Alfa-Bank, Gazprombank (except for the USA), Renaissance Insurance (except for war zones), Sberbank, Tinkoff Bank |
Russia | Capital Life, Rosgosstrakh, Rosbank, Rosselkhozbank, Consent |
In addition, some countries require1. Tourists coming to Egypt must submit valid health insurance to airports / Egypt Independent
2. Information for Russian citizens entering Cuba / Russian Embassy in the Republic of Cuba
3. On the conditions of entry of citizens of the Russian Federation into the UAE / Embassy of the Russian Federation in the United Arab Emirates
4. Measures for entering Thailand / Entry Thailand
5. Covid-19 Useful Information / Athens International Airport
6–7. Information for Russian citizens in Sri Lanka and the Maldives / Russian Embassy in Sri Lanka and the Maldives
8. Flying to Jordan — Information Required / Visit Jordan travel insurance that covers coronavirus treatment. At the beginning of July 2021, without such a policy, they will not be allowed into these states:
- Egypt;
- Cuba;
- UAE;
- Thailand;
- Greece;
- Sri Lanka;
- Maldives;
- Jordan.
People who travel a lot for work or study
Businessmen or people who often go on business trips are also at risk. This also includes students who come to sessions or scientific conferences from other cities and countries.
These people face a double danger. First on the road, when in contact with many strangers at train stations, airports and hotels. Then, on the spot, when they meet with colleagues at business or academic meetings.
However, insurers will not agree to take out a policy on every business trip. For example, they sometimes do not enter into contracts with representatives of certain risky professions:
- military personnel, rescuers and law enforcement officers;
- athletes who are involved in extreme sports;
- workers in the chemical or nuclear industry.
Sometimes the restrictions are not obvious, so it is important to carefully read the rules:
What is worth remembering
- Insurance against coronavirus will not save you from illness, but it will help you dodge possible financial consequences.
- Policies are issued by several dozen insurance companies, almost all of which take into account diagnosis, hospitalization and death from infection.
- There are many additional offers to policies, it is better to choose options for yourself.
- Almost everyone should be insured against coronavirus, but especially for people of age, with chronic diseases or those who often travel around the country and the world.
- It is important to carefully study the rates and insurance rules in order to choose the option that suits you and not run into the restrictions of a particular company.
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