COVID Medical Insurance Claims on the Bottom Side



Only 5.3% of all people who tested positive requested it; similar trend observed in death cases

Medical insurance claims for COVID-19 patients accounted for just 5.3% of all people testing positive in Karnataka, while death claims accounted for 7.3% of total COVID-19 deaths in the state .

Of the total of 26,04,431 positive cases reported in Karnataka up to May 31, a total of 1,40,198 insurance claims, or 5.3%, have been filed. Medical insurance is extended to hospitalized COVID-19 patients as well as home isolation.

Likewise, 2,150 insurance claims have been filed for people who have died from COVID-19 in the state so far, while a total of 29,090 deaths have been reported through the end of May. . Insurance claims for the dead accounted for 7.3% of all COVID-19 deaths in the state.

According to data made available by the General Insurance Council of India for the Jeevan Raksha Project, a public-private initiative to analyze COVID-19 trends across the country, the percentage of home hospitalization and isolation insurance claims by Total COVID-19 patient ratio as well as death claims against the total number of COVID-19 deaths were slightly lower in Karnataka than across India.

Although the number of complaints rose from 5,504 in January of this year to 1,053 in February, it rose to 4,302 in March before reaching 6,679 in April and catapulting to 57,581 in May, the month that saw the peak of COVID-19 in the state.

Mysore Sanjeev, head of the Jeevan Raksha project, said there had been a drop in the percentage of insurance claims compared to the total number of cases in the state as of March of this year – by 8% in March at 5% in April and May. Although the number of complaints has increased, their percentage in relation to the total number of cases has decreased.

Financial burden

“This trend indicates that there is a possibility that private hospitals will insist on direct payment for treatment and also an increase in the number of uninsured patients undergoing treatment,” Sanjeev said, adding that the financial implication COVID-19 treatment in private hospitals forced low- and middle-income families to avoid hospitalization in the early and moderate stages of infection, putting themselves at a higher risk.

The financial burden resulting from COVID-19 treatment in private hospitals may contribute to higher mortality in Karnataka, especially in semi-urban and rural areas.

Citing data available from the National Statistics Office operating under the Union’s Ministry of Statistics and Program Implementation, Sanjeev said that more than 80% of the country’s population or more than 108 millions of people in India have no choice but to finance their hospital costs from their savings, which are otherwise kept for retirement, children’s education or child marriage. Just 13 percent of the country’s citizens are covered by government-funded health insurance plans, he added.


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