Covid-19 Variant JN.1: Impact & Insurance | Zurich Kotak General Insurance

Covid-19 Variant JN.1: Stay Insured.

The surge of the new Covid-19 variant in India has raised some concerns. While the outbreak has been a mild one with cases mainly reported from certain pockets of the country, healthcare officials continue to warn people to exercise caution. Apart from masking up, everyone is being urged to buy health insurance, as that is a great way to protect against any life-threatening condition that the new COVID-19 variant can bring.

The impact of the new Covid-19 variant

The JN.1 covid variant is a sub-variant of the omicron, which is currently the most common covid variant in the world. The JN.1 variant is dangerous mainly because it transmits very easily and quickly. People who have received the vaccines are also getting affected, but the infection is quite mild in them.

The new covid wave is not ringing a huge alarm in the medical and economic worlds. Doctors are not very concerned about a massive outbreak, mainly because India has achieved herd immunity and almost the entire adult population is vaccinated. From the economic viewpoint, no panic buttons are being pressed just yet as the chance of a nationwide lockdown is very unlikely. Hence, as of now, the experts are asking the people to not panic but strictly follow the usual covid protocols like masking and sanitising.

The role of health insurance

The Kerala corona cases have raised some concerns among the general public about the spread of the disease yet again. This may happen and therefore everyone needs to have a health insurance policy with them. If you get affected by the new Covid-19 variant JN.1, you can seek medical help if needed. People with comorbidities may get seriously sick, so if you have any pre-existing disorders, get yourself a medical insurance plan right away. There are two ways in which you can get this coverage:

Stand-alone covid plans

Stand-alone covid health insurance plans are available in India. These plans offer all-around protection for covid patients who require hospitalisation due to covid complications.

Comprehensive health plans

The comprehensive health insurance plans offer a wholesome covid cover all well. You don't have to pay any extra premium or add any rider for this coverage. You can get the covid coverage along with all the other benefits of the mediclaim plan. Read the terms and conditions of your insurance policy to ensure this coverage is available. If not, consider porting your plan to an insurer like Zurich Kotak General Insurance who offers this important coverage.

Choose the option that’s best suited for you and keep yourself well-protected against the JN.1 variant that’s looming around.

Conclusion

The National Insurance Academy had urged every health insurance provider to offer special covid covers during the previous outbreaks of 2020 and 2021. These plans are still in place and now, even the regular health plans offer covid coverage. Get a policy not just for covid protection, but to keep yourself safe from all kinds of other health issues as well.

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Team Zurich Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Zurich Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.