COVID Test Cost in India – Health Insurance for COVID-19

Read on to know the cost of COVID test in India. Also, know how a health insurance plan is important for financial assistance for COVID treatment.
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3 min
17-February-2024

The outbreak of COVID-19 has created a worldwide pandemic that has disrupted the lives of people across the globe. As a result, governments and healthcare authorities worldwide have introduced measures to contain the virus's spread, one of which is testing for COVID-19. In India, testing is essential to curb the spread of the virus, and it is critical to be aware of the cost of COVID-19 tests in the country.

In this article, we will learn about the various aspects of COVID-19 testing costs in India, including state-wise variations, options for free testing, and the role of health insurance in providing financial assistance for coronavirus treatment.

COVID-19 test cost in India

The cost of COVID-19 testing in India can vary depending on the type of test and the testing facility. The two main types of tests for COVID-19 are RT-PCR tests and rapid antigen tests. RT-PCR tests are considered the gold standard for COVID-19 diagnosis and are typically more expensive than rapid antigen tests. The price of an RT-PCR test in India can range from Rs. 500 to Rs. 4,000 or more, depending on the testing facility and location.

Rapid antigen tests, on the other hand, are quicker and less expensive than RT-PCR tests but may be less accurate, particularly in detecting asymptomatic cases. The cost of a rapid antigen test in India can range from Rs. 250 to Rs. 1,500 or more.

COVID-19 RT-PCR test cost in India state-wise

The cost of the COVID-19 RT-PCR test in India varies state-wise. In some states, the test is free of cost, while in others, it is only available in private laboratories. Here are the state-wise COVID-19 RT-PCR Test costs in India:

State/UT

Cost range (in Rs.)

Andhra Pradesh

1,200 - 2,000

Assam

2,200

Bihar

1,500 - 2,000

Chandigarh

1,600 - 3,900

Chhattisgarh

1,800

Delhi

2,200

Gujarat

800 - 1,500

Haryana

3,400

Jammu and Kashmir

1,900

Jharkhand

2,200

Karnataka

1,600 - 2,000

Kerala

1,700 - 3,000

Madhya Pradesh

1,500 - 2,000

Maharashtra

1,500 - 4,500

Odisha

2,200

Punjab

1,600 - 3,200

Rajasthan

1,200 - 2,500

Tamil Nadu

1,500 - 2,800

Telangana

1,500 - 2,200

Uttar Pradesh

1,600 - 3,500

West Bengal

1,100 - 2,500


Note: The above prices are just an approximate amount and may differ from the current prices.

How to get tested for COVID-19 free of cost in India?

Despite the costs associated with COVID-19 testing, there are options available for getting tested free of cost in India. The government has set up various testing facilities, including public health centres and designated COVID-19 hospitals, where testing is provided free of charge. Additionally, some state governments have announced schemes to cover the cost of COVID-19 testing for certain categories of individuals, such as frontline workers and economically disadvantaged populations. It is essential to check eligibility criteria and availability of free testing in your area.

How health insurance can help in treatment for coronavirus?

Health insurance can play a crucial role in providing financial assistance for COVID-19 treatment. Many health insurance policies cover the cost of COVID-19 testing, hospitalisation, and treatment, subject to the terms and conditions of the policy. Having health insurance can help alleviate the financial burden associated with COVID-19 treatment, which can be significant, especially in cases requiring hospitalisation or intensive care.

Benefits of a health insurance policy for financial assistance for COVID-19

The benefits of a health insurance policy for COVID-19 are numerous and can prove to be a lifeline in times of need. Here are some of the benefits of having an insurance coverage:

  • Coverage for COVID-19 testing: Health insurance policies typically cover the cost of COVID-19 testing, including RT-PCR tests and rapid antigen tests, subject to the coverage limits and terms of the policy.
  • Hospitalisation expenses: In case of hospitalisation due to COVID-19, health insurance can cover expenses such as room rent, ICU charges, doctor's fees, and medication costs, up to the sum insured of the policy.
  • Home care treatment: Some health insurance policies offer coverage for home care treatment for COVID-19, including teleconsultation with healthcare providers, medication delivery, and monitoring of vital signs.
  • Additional benefits: Depending on the policy, health insurance may also provide additional benefits such as coverage for pre- and post-hospitalisation expenses, ambulance services, and alternative treatment options.

The cost of COVID-19 testing in India varies, and it is crucial to be aware of the charges before getting tested. While the government offers free testing to individuals exhibiting symptoms, health insurance can provide financial assistance during the treatment process. It is essential to have health insurance coverage to stay prepared for unforeseen events.

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