Nerurkar says that since viral diseases can cause a sudden emergency, health insurers should anticipate it in the policies.“The emergence of new diseases has had little or no impact beyond a small, localised cluster of infections. However, just the right conditions given, a highly virulent pathogen can suddenly spread across time and space with massive consequences, as has occurred on several occasions in the recent past. Owing to medical inflation, it is advisable to have a comprehensive health plan with enough sum insured. Also, consider to opt for additional add-on covers to the policy, which would cover out- of- pocket expenses, such as consumable expense, daily allowance, and room rent capping.”