Page 12 - Insurance Times September 2021

Health Insurance News

95% deaths prevented by variant-driven second wave," the study Restore Benefit, if you run out of cov-
said. erage, the policy will restore your base
two doses of vaccine
"Incidence of Covid-19 deaths per 1000 coverage up-to 100 per cent. Lastly,
Two doses of Covid-19 vaccine admin- Protect Benefit ensures zero deduc-
was 1.17 among unvaccinated, 0.21
istered to high-risk police personnel among partially vaccinated and 0.06 in tion on consumables and listed non-
were successful in preventing 95% medical expenses (insurer will pay the
fully vaccinated," the study showed.
deaths due to coronavirus in the Delta insured for these expenses). The prod-
variant-driven second wave, according Sharing the study, Paul reiterated the uct also offers customers discounts of
to an ICMR study. importance of Covid-19 vaccines in pre- up to 50 per cent on co-payment.
venting severe infection.
The study, presented by NITI Aayog
member (health) Dr V K Paul, was con- "We would like to reiterate that our SC wants Fix standards,
ducted in Tamil Nadu to see the vac- vaccines are effective and hugely safe. rates for hospitals
cine effectiveness in preventing Covid- Pregnant women and lactating women
19 deaths. should receive it. Patients with cancer At a time when 70% of patient care is
and diabetes are even more needy in provided by private sector healthcare
Around 1,17,524 police personnel were this requirement and here is real life institutions, the Supreme Court sought
analysed for the study, out of which data to show vaccine effectiveness to responses from the Centre, states and
those unvaccinated were 17,059, prevent deaths is huge," Paul said. Union Territories on a PIL seeking
while those who received one dose implementation of minimum standards
were 32,792 and those fully vacci- "But we should also remember that of healthcare and display of rate chart
nated were 67,673. not just vaccines but we also need to for treatments by all hospitals as per
mask up to prevent infection," he said.
The study further showed that the Clinical Establishments Act, 2010.
number of Covid-19 deaths among un- A bench of Chief Justice N V Ramana
vaccinated police personnel was 20, HDFC Ergo launches new and Justice Surya Kant issued notices to
while among those who received the product all states, UTs and National Human
first dose was 7 and second dose was
HDFC ERGO General Insurance has Rights Commission and said, "Let's
four.
launched Optima Secure, a new health hope the governments will respond
Moreover, vaccine effectiveness in indemnity health insurance product. positively."
those who took the first dose was 82 The policy offers four distinct features. Appearing for NGO 'Jan Swasthya
per cent and in those who took both Secure Benefit doubles the insurance Abhiyan', senior advocate Sanjay
doses was 95%. cover automatically on purchase of the Parikh said with the focus shifting from
"Two doses of Covid-19 vaccine admin- policy. Plus Benefit increases the base strengthening the public sector
istered to high-risk police personnel coverage automatically by 50 per cent healthcare system to private sector,
were successful in preventing 95% after 1 year and to 100 per cent after only 30% of patients get treatment
deaths due to coronavirus in the Delta 2 years, even if there is a claim. Under from government owned hospitals and

12 The Insurance Times, September 2021