Synopsis At the time of buying the health plan if your focus was more towards going for lower premium, then the chances are the that your health plan may have various sublimits, copayment or deductibles. Getty Images During the novel coronavirus pandemic, on average an insured Indian has been paying at least 40% of the covid-related medical expenses from their own pocket. In other words, health insurance policies have not been fully paying for the medical expenses incurred by people due to the virus. According to General Insurance Council of India data, from since beginning of the covid 19 pandemic last year till May 14, 2021, on average an insured Indian was paying around 40% of the covid treatment costs from his/her own pocket with average payment of Rs 95,622 against a claim size of Rs 1.54 lakh. A total of 14.82 lakh Covid-19 claims worth Rs 23,000 crore were reported during this period out of which only 12.33 lakh (83%) claims worth Rs 11,700 crore (51%) were settled by insurers since the pandemic.