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Will life insurance cover COVID-19

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Will Life Insurance Cover COVID-19 Death Claims?

By : Bajaj Allianz Life

The COVID-19 pandemic has turned out to be a huge reality check. It has not only made us sit up and take note of our lives, but has also prompted us to make several changes to our lifestyle. It has made us more conscious of our health and has driven home the importance of having life insurance better than anything else has.

Because of the uncontrolled spread of this deadly disease, a large segment of the Indian population has increasingly turned towards investing in a good life insurance plan to keep themselves and their family protected. That said, the question of "Will life insurance cover COVID-19 deaths?" is still running in the minds of many people. Let us look at this issue and address this question.


Importance of reviewing your life insurance policy's terms and conditions before buying it


This is something that most individuals tend to skip when purchasing a life insurance policy. However, reviewing the terms and conditions of a policy is of utmost importance before deciding to purchase one. This is primarily because not all life insurance policies offer the same benefits.

By reviewing the policy’s terms and conditions, you can also get to know of some of the other important aspects of life insurance plans such as coverage exclusions, restrictions, claim settlement process, revival periods, conversion features, surrender policy, and add-on riders, among others. This will ultimately help you understand the life insurance policy in a much better manner and avoid unexpected surprises during times of need.

Nevertheless, if you ever find the terms and conditions of a policy hard to understand or comprehend, always reach out to a dedicated insurance advisor. They can help you make sense of the important metrics and features of life insurance policies.

In addition to reviewing the terms, it is also a good idea to make use of a life insurance premium calculator to determine the amount of premium that you would have to pay before purchasing a policy.


FAQs on life insurance covers


Let us now look at some of the frequently asked questions on life insurance covers -

• Can you claim life insurance benefits for deaths due to the coronavirus?

If already in possession of an active life insurance policy, one can claim the benefits under that policy even in the event of a death due to coronavirus.

In such a case, all that one has to do is submit an insurance claim with all the necessary documents with the insurance service provider. Once the claim is approved, the insurer will disburse the benefits under the policy to the nominees or beneficiaries.

• How to initiate an insurance claim for deaths due to the coronavirus?

The process for initiating a claim is quite simple. All you need to do is follow the steps outlined below –

1. Firstly, download the claims form from the insurance company’s website. Alternatively, you can also get the claims form directly from one of the branch offices of the insurer or from their insurance consultants.

2. Fill the claims form up and attach all the necessary documents along with it.

3. Submit the duly filled form to your insurer, along with all the supporting documents. If you need to post physical copies of the submitted form to the insurer, ensure that you do that on time.

• Will new insurance policies cover deaths due to the coronavirus?

Yes, even new insurance policies that you purchase will offer coverage for deaths due to the coronavirus. However, if you get afflicted with the disease before your insurance application is approved, your application could be denied or put on hold. However, if you do not contract the disease and your application is approved, then it will surely cover COVID-19 deaths as well.




Considering the current pandemic situation, investing in a good type of life insurance policy is the best gift that you can give your family. Many plans also come with the option to add riders, which can help enhance the features of life insurance policies significantly. That said, before deciding to invest in an insurance plan, always ensure to thoroughly read through and understand the relevant terms and conditions associated with it. Additionally, remember to also make use of a life insurance premium calculator to determine the amount of premium that you would have to pay for the plan of your choice. So then, what are you waiting for? Now that you have gotten the answer to the most important question, invest in a good life insurance plan right away and keep your family protected at all times.

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.