India is in the throes of the second wave of the COVID-19 outbreak. Cases are shooting up at alarming rates across the country every day. The crunch of medical resources on one hand, and the cost of treatment especially in critical cases on the other, have left citizens in dire straits. In these circumstances, health insurance and the extent of coverage received under existing policies assumes huge importance. Personal accounts are often not very encouraging. Jayalakshmi Krishnan from Chennai had opted for reimbursement when she was admitted to a private hospital for COVID treatment. "I was at the hospital's general…
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