Importance Of COVID-19 Coverage Under Group Health Insurance Policy

Published on: 30 July 2025 Last Updated on: 08 August 2025
COVID-19 Coverage

India has come a long way from fighting COVID-19 to rising above it. However, just after the lockdown was lifted and companies start urging employees to return to the workplace, a concern remains: who would protect employees against COVID-19 at the workplace? That is why COVID-19 coverage under group health insurance policy

Before the pandemic, companies often purchased group health insurance without this coverage; however, COVID-19 changed everything. Thus, it becomes crucial to understand the exact benefits of this coverage for employees and organisations. 

COVID-19 Coverage Under Insurance Policy

COVID-19 is a communicable disease that spreads through air and human contact. Although the spread of COVID-19 is now containing and people are more aware of precautionary measures, the disease has not eradicating. 

That is why, to safeguard the welfare of employees who are most exposed to COVID-19, the Insurance Regulatory and Development Authority of India (IRDAI) made it mandatory for every organisation to provide COVID-19 coverage under their group health insurance policy. 

Benefits Of COVID-19 Coverage Under Insurance Policy

Here are some of the benefits of COVID-19 coverage under the group health insurance that employees can take advantage of. 

  1. IRDAI Mandatory 

As per the orders from the Insurance Regulatory and Development Authority of India (IRDAI), it has been made mandatory to provide COVID-19 coverage to every employee of an organisation. Without this coverage, companies are not allowed to start their in-office operations. 

  1. Medical Expense Coverage

Under the group health insurance policy, employees are covered for medical expenses relating to COVID-19. It means that all financial expenses incurred, from diagnostics to treatment and medicines, will be covered by the policy. 

  1. Employee Dependent Coverage

Several group health insurance policies extend their coverage to employees’ dependents; the same applies to COVID-19 coverage. The policy provides COVID-19 coverage to the employee’s spouse, children, and dependent parents.

  1. Provides A Sense Of Security

COVID-19 is a life-threatening disease, and providing coverage for this disease gives employees a sense of security. They feel safe and secure coming to the office premises to do their work. 

  1. Employee Loyalty

When employers buy medical insurance for their employees, they establish a good rapport and loyalty in their minds. This loyalty reflects in the work of employees and the productivity of their outputs. 

Inclusions And Exclusions Of Coverage

When we refer to health insurance for COVID-19 coverage under insurance policy, we need to know what’s covered and what’s not. 

It is always best to know this in advance to avoid unpleasant surprises at the time of a health emergency and ensure that you make the most of your policy benefits. 

Just like any other medical insurance policy, the COVID-19 cover also has some inclusions (what is included) and exclusions (what is excluded). 

Let me break these down to you in detail so that you have a crystal clear understanding well in advance, even before you make a claim. 

Inclusions

The inclusions detail all the medical expenses and services you’ll cover for with your COVID-19 cover. The following is what you can generally expect: 

Pre And Post-Hospitalisation Cover – The COVID-19 cover provides coverage for expenses incurred during pre- and post-hospitalisation treatment. It includes expenses such as diagnosis, doctor’s appointments, and medicines.

  1. Pre-Hospitalisation: The costs of medical examinations, specialist visits, COVID-19 tests, and medication before hospital admission are eligible. For example, if you had to undergo blood exams, a PCR exam, or a CT scan to confirm the infection, the cost would be eligible. 
  1. Post-Hospitalisation: You can be ill for a few days, and you will require follow-up consultations, medication, or physiotherapy. These are also covering for a few days after discharge (likely 30 to 60 days). 

Second Opinion – The COVID-19 coverage under the group health insurance policy also provides coverage for expenses related to a second medical opinion. For example, if you are not satisfied with the diagnosis from your first doctor’s visit, you can always seek a second medical opinion without worrying about finances. 

  1. You may consult with another physician or specialist to confirm your treatment regimen. 
  2. The cost of this consultation, either face-to-face or by telemedicine, is paid for. 

Daycare Treatment Cover – The group health insurance policy also provides coverage for expenses incurred during COVID-19 daycare procedures. 

  1. Even some antiviral drugs, oxygen therapy, or even other minor procedures associated with COVID can be done without overnight admission. 
  2. Your group health insurance cover for COVID-19 pays for these charges just the same way it would pay for inpatient care. 

Ambulance Cover – In case you need ambulance services from your resident to the hospital or from one hospital to another recommended hospital, then the COVID-19 coverage will also cover its cost. 

Exclusions

While the cover is extensive, there are certain conditions and medical costs that are not included. Understanding these exclusions allows you to have realistic expectations and avoid claims rejection. 

  • Pre-Existing Diseases – The COVID-19 coverage under the group health insurance policy is limited to treatment for coronavirus disease 2019 (COVID-19). If the insured is suffering from a pre-existing illness, there will be no coverage for treatment of that illness. 
  • Maternity Or Newborn Cover – There is no coverage for maternity or newborn treatment under the COVID-19 cover of the group health insurance policy. 
  • Waiting Period – Several health insurance policies have a waiting period; similarly, there is a 30-day waiting period for getting coverage under COVID-19. Thus, if you make any claim before the waiting period, you will not get a claim. 

Summing Up

The COVID-19 pandemic has changed the way the entire medical and insurance field operates. 

Before the pandemic, group health insurance policies typically provided coverage for most medical emergencies; however, with the addition of COVID-19 coverage under insurance policies, the policies have become more comprehensive. 

As employees, one must check for this coverage in their group health insurance policy. Employers have the responsibility to find a trusted insurer, such as TATA AIG, which includes this coverage in their group health insurance, to comply with the IRDAI orders. 

Moreover, organisations can buy business insurance online, such as fire and burglary, marine, and workers’ compensation, to safeguard their other assets.

Barsha Bhattacharya is a senior content writing executive. As a marketing enthusiast and professional for the past 4 years, writing is new to Barsha. And she is loving every bit of it. Her niches are marketing, lifestyle, wellness, travel and entertainment. Apart from writing, Barsha loves to travel, binge-watch, research conspiracy theories, Instagram and overthink.

View all posts

Leave a Reply

Your email address will not be published. Required fields are marked *

Related

Enterprise SEO Strategies

Enterprise SEO Services: How Large Brands Dominate Search Results

Search engines are the backbone of online visibility in today's digital world. Competing big brands appear dominant in searches, preventing small businesses from gaining visibility in the scaled-up realm. Enterprise SEO Strategies are a secret that makes them stand out in the competitive market.  It helps companies scale their services and content and guarantee the top position in Google searches. So, what does the term " enterprise SEO " mean when you hear it?  What does it refer to, and how different is it from SEO? This article explores everything about enterprise SEO services. Understanding Enterprise SEO Strategies Enterprise SEO can be defined as SEO for big businesses, organizations, or corporations. Unlike conventional SEO, which involves websites with hundreds or, at most, a few thousand pages, enterprise SEO relates to sites that contain thousands or millions of pages.  These include automation, intense keyword research, and the technical aspects of handling large quantities of quality content. Business organizations that possess big websites have several products and services and are situated in different locations, which necessitates applying the structure mentioned above.  Enterprise SEO allows all these factors to be optimally synchronised to increase their visibility and traffic. The Key Strategies Behind Enterprise SEO Strategies' Success The success of an enterprise's SEO is based on a multifaceted approach. This includes the highly comprehensive keyword research, strong content strategy creation, and huge technical foundation.  But wait! It does not stop there! You will have to continuously monitor and optimise the performance further. Moreover, you may need to manage the technical SEO part, scale the content, and further leverage automation.  Want to learn more about it? Read on as I simplify the roadmap towards enterprise SEO success.  Advanced Keyword Targeting First comes the advanced keyword targeting. All large brands spend a lot of money on keyword research. Instead of favoring setting down specific keywords, they use thousands of high-intent and long-tail keywords.  This assists them in capturing the traffic originating from different search terms and ensures that they dominate various needs of the customers. Content Optimization at Scale Secondly, content optimization scaling is very necessary. Quality and helpful content are major factors used to determine web rankings.  Their content strategy also includes updating existing content, creating new relevant pages, and checking all content to ensure it is up to date. High-quality content provides credibility and interactiveness for users. Technical SEO Implementation Thirdly, a well-optimized website ranks highly in search engines. That is why big business owners utilize unique technical SEO based on site speed, structured data, and HTTPS-first indexation. These improve the user experience and make it easier for search engines to crawl the content. Strong Internal Linking Linking is an essential SEO strategy used by established brands. By using anchors, they assist search engines in easily accessing other related pages on their site.  This also helps keep the visitor engaged, hence a low bounce rate and more conversions through other calls to action. Scalable Link-Building Strategies Backlinks remain one of the primary factors that dictate rankings. Enterprise SEO Strategies concerns itself with linking from other reputable websites.  One of the most effective ways of obtaining authoritative links that help large brands is through association with influencers, news websites, and industry leaders. Local SEO for Multi-Location Businesses Most large companies engage in timely business operations in different regions. Internet marketing also uses several SEO techniques relevant to the enterprise and its effective localization to enable it to rank in its area. These include  Google Business Profile,  Local citation and location,  Keyword optimization. Tools And Services That Can Support Your Enterprise Seo Strategies  Now, when it comes to creating enterprise SEO strategies, it might make you feel a little overwhelmed. But luckily, there are various capable tools that can actually help you to manage and further automate all the elements, such as:  Your keyword research  Better competitive analysis  Site audits,  Content optimization Accurate data keeps you informed about your strategies and allows you to monitor performance. This way, you can ensure you are on the right track.  According to the industry experts, two major tools can be better for the enterprise SEO strategies:  MOZ pro AHREFs AHREFSMOZ PROEase of UseThe learning curve is very steep. However, you can get a lot of support from the help centre. This specific platform is very user-friendly. However, it is less intuitive than Ahrefs. Cost$99 to $14,990 per month. $99 to $599 per month. Free TrialThe free trial version is limited to the access to Site Explorer as well as Ahrefs Webmaster tools sign up. You can get a 30-day free trial period. Key FeaturesSite Explorer for Competitor AnalysisSite Audit & Website OptimizationKeyword Explorer and ResearchRank and Progress TrackerContent ExplorerBacklink monitoringKeyword Research and AnalysisSite Audit and Performance MonitoringBacklink Analysis and Link BuildingRank Tracking and ReportingCompetitor Analysis How Large Brands Maintain SEO Success Big brands rank and sustain their positions at the top of the search results. Sustaining or enhancing a site's position is highly reliant on constant checks and improvements. Specifically, organizations use analytical tools to monitor their performance.  They identify users' habits, modify their approaches based on these habits, and ensure they have an edge over the competition. Furthermore, they spend money on SEO automation systems to enhance the effectiveness of processes.  These systems help with content management, identifying technical issues, and properly ranking keywords. Thus, dealers do not lose their privileged position to compete with other dealers. Why is Enterprise SEO Essential for Growth? Enterprise SEO Strategies are not only about reaching the top of the Google search results. In other words, it is about reaching the next level of online visibility and presence.  Having high visibility has many benefits, such as high traffic, the establishment of more authority, and more sales.  Moreover, failing to adopt SEO can cause many customers to be lost to competitors who utilize the tool more effectively, especially for large brands. As billions of searches take place every day, it has become crucial to rank at the top. A robust SEO strategy is vital in helping organizations reach potential customers, engage them, and ultimately make them make the intended purchase.  Moreover, it also helps increase the credibility of the brand, as people prefer to visit those websites that are ranking on search engines. To summarize, enterprise SEO is a critical factor in the success of big businesses operating on the Internet.  It encompasses research on important keywords, web content optimization, technical optimization, and link building. In this way, large and popular companies occupy the top line and actively engage in maintaining their positions in cyberspace. If you are interested in having a great and effective SEO strategy for your business, EZ Rankings, a performance marketing agency, is here to help.  With knowledge about enterprise SEO services, we make sure your brand gets the visibility it needs. Contact EZ Rankings now and take your search rankings to the next level!  READ MORE: Advanced SEO Services for New York City Startups The Key To Success Turns Out To Get The Top SEO Services SEO’s Role in B2B Digital Marketing: Optimising Your Website

READ MOREDetails
iv nutrient therapies

From Fatigue to Focus: How IV Nutrients Influence Energy Levels?

Fatigue does not mean feeling a bit sleepy at your desk or struggling through an afternoon slump. Basically, it is an ongoing and pervasive feeling of being run-down. This way, it makes everyday tasks demanding.  Apart from that, fatigue also decreases motivation and increases irritability. Moreover, it even destroys your emotional well-being. Meanwhile, modern life places major demands on your mind and body. This is because of the following reasons: Relentless schedules Digital overload Constant multitasking Poor sleep Erratic eating patterns Insufficient downtime Mounting stress  Basically, all these factors contribute to a vicious cycle. This further perpetuates low energy levels. Therefore, IV nutrient therapies are necessary for those cases. How Does Faitgue Impact Your Physical and Mental Health? Primarily, chronic fatigue does not merely affect how you feel physically. Rather, it disrupts your memory and cognitive performance. Also, you lose the capacity for creativity and joy.  In fact, according to the Centers for Disease Control and Prevention, one out of three adults is unable to maintain their energy throughout the day. However, if you want to effectively manage fatigue, you must know its causes. These might range from lifestyle factors to potential nutrient deficiencies. Also, it depends on underlying health conditions. How Do IV Nutrient Therapies Help to Deal with Fatigue? At the outset, IV nutrient therapies help in delivering vitamins, minerals, and fluids directly into the bloodstream. It does so with the help of a small intravenous drip.  Nowadays, it is employed to accelerate absorption and bypass digestive hurdles. Also, it provides targeted nutritional boosts.  The following are the situations after which you must go for IV nutrient therapies: An illness Strenuous travel Endurance events When regular self-care is not enough to get back on track.  Meanwhile, many people are exploring convenient options. These include Mobile IV Las Vegas. Basically, these servies tailor drips to particular requirements. Those requirements are mostly energy recovery, immune system support, or hydration restoration.  If used responsibly, IV nutrient therapies have a lot of benefits for people. In fact, it lets them deal with fatigue easily. What Nutrients Are Prevalent in IV Nutrient Therapies? The following are the major nutrients that are prevalent in IV nutrient therapies for fatigue: Vitamin B: It helps to improve metabolism. Apart from that, it also supports brain and nerve health. Moreover, it helps to manage stress responses. Hence, you become calm and focused. Vitamin C: It improves the defense of antioxidants. In addition to that, it helps with the immune response. This way, it increases your recovery speed. Apart from that, it supports collagen formation for tissue strength. Magnesium: Primarily, it helps your muscles relax. Also, it steadies your heart rhythm. Moreover, it helps to generate energy and support restful sleep cycles. Amino acids: In general, these are essential for muscle healing after stress or exercise. Also, it is critical for synthesizing hormones and vital enzymes. Electrolytes: These help to hydrate your system. Apart from that, they balance fluids inside and outside cells. Basically, every IV nutrient blend has a unique formulation based on the individual’s symptoms and requirements. In fact, these ingredients form the backbone of many popular “energy” and “recovery” infusions. How Does Dehydration Happen Due to Fatigue? - Major Reasons Interestingly, many people underestimate the role of dehydration in persistent fatigue. Since water is fundamental for life, it makes up the majority of our body by weight. Also, it is involved in almost every reaction that converts food to fuel.  In addition to that, fluid loss occurs more rapidly when you sweat, travel, or neglect routine hydration. Apart from that, busy routines and high caffeine intake add to fluid loss. Therefore, maintaining a proper fluid intake is really important.  The following are the ways through which IV nutrient therapies help: It replaces not only water but also critical electrolytes Thereby, it helps to deal with more severe cases of dehydration It helps to restore balance. Also, it helps you recover from illness after exposure to excessive heat or high-intensity exercise. What Is the Impact of IV Nutrient Therapies on Energy? IV nutrient therapies provide fast recovery from stress, illness, or athletic strain. In fact, many patients testify to having feelings of renewed energy. Also, they add that their focus improves soon after infusions.  In addition to that, benefits are mostly pronounced in the following individuals with: Dehydration Deficiencies Underlying health issues.  In targeted cases, IV therapies hold measurable value. These cases include migraines, fibromyalgia, or acute illness. However, if you want lasting improvements in energy and concentration, you must have healthy habits. In those cases, occasional infusion will not be very helpful. Major Benefits and Limitations of IV Nutrient Therapies Primarily, IV nutrient therapy is transformative if you have particular health requirements. This is true for cases with absorption disorders, malnutrition, or post-surgical recovery. In those cases, an IV nutrient therapy will supply building blocks for repair. In fact, when deficiencies are corrected immediately, it accelerates healing. This way, it restores normal function. However, you must always treat these therapies as a supplement to a balanced diet, physical activity, and proper rest. Moreover, you must never overlook safety. The following are some of the possible complications of IV nutrient therapies: Infection Vein inflammation Allergic reactions In general, these might happen due to excessive or unlicensed usage.  Essentially, IV therapy is most effective when done purposefully. This helps to bridge short-term deficits. Apart from that, it complements medical recovery. Moreover, it even provides periodic support after extraordinary stress. Choose IV Nutrient Therapies Now It is evident that IV nutrient therapies are effective for optimum nutrition. This way, it increases energy levels after fatigue. However, it is not a substitute for a balanced diet and a healthy lifestyle. Basically, it works as a supplement to a healthy lifestyle, proper nutrition, and regular exercise. Moreover, you will benefit from lasting progress if you commit to a strategy. Apart from that, you have to seek medical support when necessary. This way, you will be able to get the best outcome from IV nutrient therapies. Read More: 7 Rules of Effective Ecommerce Web Design 5 Proven tactics to acquire more quality leads How to Download Facebook Videos on Android?

READ MOREDetails
Money-Saving Driving Tips

5 Money-Saving Tips for Houston Drivers

Purchasing cheap car insurance in Houston need not be such a chore. With increasing expenses and Houston's specific road hazards, many Houston motorists are in search of options in an effort to minimize their monthly expenditures.  Luckily, there are some sound money-saving driving tips that will help Houston motorists minimize their premiums without compromising on necessary coverage.  Car insurance will protect you financially when you drive. It is necessary that you make sure you are getting the best deal possible, whether you are choosing some of the basic liability insurance or full auto coverage.  Understanding Houston's Unique Insurance Landscape Houston does pose some challenges to drivers and to insurers as well. Houston's size results in most of its people having a longer drive to work, and the Gulf Coast placement provides seasonal weather-related risks.  Its traffic is among the worst in the country, and all of these have an impact on insurance rates throughout the metroplex.  The good news? Those who understand these factors can make smarter choices about their coverage and might qualify for reduced rates. Info is power when purchasing cheap car insurance Houston.  Money-Saving Driving Tips: Smart Ways to Save on Auto Coverage Before discussing money-saving driving tips and car insurance, you should know that personal driving habits play an important role in determining the amount of gas or other safety equipment that you need. Here are the things that can save you a hefty amount. 1. Shop Around Before Renewal Time One of the largest errors Houston drivers commit is renewing automatically with their existing agent without comparing competitors' prices. Insurance firms use various formulas to calculate premiums, thus premiums can be widely varied among companies for similar coverage.  Set a calendar reminder 3-4 weeks before your policy expires to compare quotes from multiple companies. This simple habit could save hundreds of dollars annually. Many local providers offering Houston car insurance have competitive rates that national companies can't match.  2. Adjust Your Coverage Based on Vehicle Value If your vehicle is an older model, you could be paying too much for coverage that you do not require. For vehicles worth less than $4,000, collision and comprehensive coverage will cost you more in the long run than the possible payout for an accident.  Consider canceling these coverages on older cars and retaining only liability coverage, which is still mandated by Texas law. This approach will be especially well-suited for households with multiple vehicles, where one may be a whole lot older than others.  3. Take Advantage of Available Discounts Most insurance providers offer discounts that many customers never claim simply because they don't know about them. Common discounts include:  Safe driver discounts (for accident-free records)  Multi-policy bundles (combining home & auto insurance)  Good student discounts (for young drivers maintaining solid grades)  Professional organization memberships  Paperless billing and automatic payment enrollment  Defensive driving course completion  These discounts can stack up, potentially reducing premiums by 15-25% when combined. Ask your agent for a comprehensive list of available discounts and which ones you qualify for.  4. Increase Your Deductible Strategically Your deductible—the amount you pay yourself before insurance comes in—also plays a role in your premium. Increasing your deductible from $500 to $1,000 will decrease your premium by 10-15%.  Though this should be done judiciously, raise your deductible only to what you can afford in case of an emergency. Saving the premium charge difference in a special savings account provides a buffer for possible payment of the deductible and lower monthly premiums.  5. Improve Your Credit Score Although it has absolutely no bearing on driving, Texas insurers can utilize credit scores in their calculation of premiums. Studies indicate that high-credit drivers are more likely to be claim-free, and hence lower premiums result.  Small gains to your credit can pay big dividends in terms of insurance savings over the long term.  Prioritize making on-time payments, lowering your current debt, and disputing any inaccuracies on your credit report. Even a 50-point boost in your credit score could lead to visible premium decreases.  Finding the Right Local Provider Now that you know the best money-saving driving tips, you should find a local provider. Location is significant when choosing an insurance company. Insurers with real offices in Houston will be more aware of local road conditions and may have better-suited coverage options.  For example, rush hour traffic congestion on I-610 or flooding problems within specific neighborhoods might lead to coverage recommendations. Local agents particularly familiar with Houston's unique issues are better positioned to tailor policies to also cover such niche risks.  The majority of Houstonians enjoy working with companies with local offices. The office at 156 FM 1960 Ste F reflects many North Houston communities with personalized service, which national call centers can only aspire to offer.  The Bottom Line for Houston Drivers Purchasing cheap vehicle insurance is all about striking a balance between paying and coverage. One has to save money, but underinsurance can bring ruin in its wake after a bad crash.  The ideal solution is a mix of cost-cutting approaches without compromising sufficient protection for your particular case. Allowing an hour or two of research can help you with money-saving driving tips, without compromising enough coverage.  Houston drivers are also challenged, but with a bit of research and the right carrier, quality insurance doesn't have to be pricey.  Take a few minutes to dig into your policy, ask questions about discounts available, and consider whether providers in your region might be more valuable than their national relatives.  Keep in mind that insurance requirements change along with you. Life events such as marriage, home ownership, or adding a teenager to your policy are great times to review coverage to make sure you are getting the most bang for your buck.  READ MORE: Car Shakes At Idle But Smooths Out While Driving – How To Fix This Problem? Navigating The Road With Prudence: Top Tips For Responsible Driving What Type Of Vehicle Is Ideal For Off-Road Driving?

READ MOREDetails