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Terms and conditions
Terms and conditions
We answer all your queries about COVID hospitalization and charges
No. Even when you test positive, if there are no major symptoms like breathlessness (please do check oxygen saturation levels), high fever etc., this condition can be managed at home. You need to take oral medication along with some supplements and other supportive therapies like steam inhalation, good nutrition and breathing exercises. Note that if the person is elderly or has any other medical condition like asthma, diabetes, hypertension, heart disease etc., we recommend seeking medical help immediately.Â
No. Even when you test positive, if there are no major symptoms like breathlessness (please do check oxygen saturation levels), high fever etc., this condition can be managed at home.
You need to take oral medication along with some supplements and other supportive therapies like steam inhalation, good nutrition and breathing exercises.
Note that if the person is elderly or has any other medical condition like asthma, diabetes, hypertension, heart disease etc., we recommend seeking medical help immediately.Â
Check with your doctor whether you can still opt for home isolation with proper precautions and appropriate care. Take a second opinion if you think it is suitable. Unnecessary hospitalization will not only hurt your pocket, but also expose you to high risk patients. At the same time, you might be occupying a bed that could have gone to a patient who needs it.Â
Check with your doctor whether you can still opt for home isolation with proper precautions and appropriate care. Take a second opinion if you think it is suitable.
Unnecessary hospitalization will not only hurt your pocket, but also expose you to high risk patients. At the same time, you might be occupying a bed that could have gone to a patient who needs it.Â
Most of the state governments and the General Insurance Council have defined the upper limit on the rates/charges per day (in consultation with Niti Ayog and Health ministry). These are applicable based on the severity of the illness, type of treatment given, hospital type and location. Proposed cost per day as a ceiling for the various types of stay in hospitals are: Hospital Rates for per day of admission (in Rs.) For Moderate Sickness (Isolation beds - including supportive care & Oxygen) NABH Accredited Hospitals (including entry-level) - 10,000/- (including cost of PPE Rs 1200/-) Non-NABH Accredited Hospitals (including entry-level) - 8,000/- (including cost of PPE Rs 1200/-) For Severe Sickness (ICU without need for ventilator care) NABH Accredited Hospitals (including entry-level) - 15,000/- (including cost of PPE Rs 2000/-) Non-NABH Accredited Hospitals (including entry-level) - 13,000/- (including cost of PPE Rs 2000/-) Very Severe Sickness (ICU with ventilator care (invasive/non-invasive) NABH Accredited Hospitals (including entry-level) - 18,000/- (including cost of PPE Rs 2000/-) Non-NABH Accredited Hospitals (including entry-level) - 15,000/- (including cost of PPE Rs 2000/-) For a more detailed breakup, refer to the link below: GIC: https://www.gicouncil.in/media/3893/covid-19rates.pdf
Most of the state governments and the General Insurance Council have defined the upper limit on the rates/charges per day (in consultation with Niti Ayog and Health ministry).
These are applicable based on the severity of the illness, type of treatment given, hospital type and location.
Proposed cost per day as a ceiling for the various types of stay in hospitals are:
Hospital Rates for per day of admission (in Rs.)
For Moderate Sickness (Isolation beds - including supportive care & Oxygen)
For Severe Sickness (ICU without need for ventilator care)
Very Severe Sickness (ICU with ventilator care (invasive/non-invasive)
For a more detailed breakup, refer to the link below:
We sincerely urge everyone to question the hospital if the rates/charges are more than what is prescribed. Many hospitals have been questioned, served legal notices and ultimately, had to reverse the excess amount.
We sincerely urge everyone to question the hospital if the rates/charges are more than what is prescribed.
Many hospitals have been questioned, served legal notices and ultimately, had to reverse the excess amount.
If there are no major complaints or symptoms, there is no need for multiple antibiotics, anti-viral medicines or a huge combination of medicines. You can always discuss your prescription with your doctor. Ask them why and for how long the medicines have to be taken.Â
If there are no major complaints or symptoms, there is no need for multiple antibiotics, anti-viral medicines or a huge combination of medicines.
You can always discuss your prescription with your doctor. Ask them why and for how long the medicines have to be taken.Â
You can report the hospital / doctor to the Nodal Officer for any malpractice related to COVID-19 admissions or treatment. See how: https://doj.gov.in/news/nodal-officer-public-grievances-pertaining-covid-19
You can report the hospital / doctor to the Nodal Officer for any malpractice related to COVID-19 admissions or treatment.
See how: https://doj.gov.in/news/nodal-officer-public-grievances-pertaining-covid-19
If there are 10 patients in a ward, medical and support staff use the same PPE kits for all of them. However, each patient may be charged for multiple PPE kits per day. If this happens, you should be paying 1/10 of the total cost, not the full cost. Typically, one PPE kit per patient per day should be more than enough.
If there are 10 patients in a ward, medical and support staff use the same PPE kits for all of them. However, each patient may be charged for multiple PPE kits per day.
If this happens, you should be paying 1/10 of the total cost, not the full cost. Typically, one PPE kit per patient per day should be more than enough.
Most insurance companies cover 1-2 PPE kits per day. A few companies have limits based on the per day cost of the PPE kit.
Most insurance companies cover 1-2 PPE kits per day. A few companies have limits based on the per day cost of the PPE kit.
Each PPE kit, whose contents, specifications and certification are in line with the guidelines of SITRA and DRDE, has a unique certification code. The price ranges from ₹150 to ₹2,500 depending on the additional features. Multiple websites including Flipkart, Amazon have started selling the PPE kits with UCC and certifications from SITRA. Refer to the following links for prices: https://www.1mg.com/categories/medical-devices/doctor-s-corner/ppe-kits-372 https://www.jiovio.com/buy/2/products.htm https://dir.indiamart.com/impcat/ppe-kit.html
Each PPE kit, whose contents, specifications and certification are in line with the guidelines of SITRA and DRDE, has a unique certification code. The price ranges from ₹150 to ₹2,500 depending on the additional features.
Multiple websites including Flipkart, Amazon have started selling the PPE kits with UCC and certifications from SITRA. Refer to the following links for prices:
https://www.1mg.com/categories/medical-devices/doctor-s-corner/ppe-kits-372
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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.Â
Disclaimer #2:Â This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
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Author: Team Digit
Last updated: 13-02-2025
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.
