Most coronavirus insurance covers follow the same settlement process as any other ailment. If your insurance provider offers cashless hospitalisation, you can avail of the facility. But the process can differ in some dire situations. Given the shortage of beds, you may not find a COVID-19 ward or bed in a network hospital and may have to go to a different one. In such a case, you may have to opt for the reimbursement model. Therefore, it helps to be certain of the hospitals in the network covered by your insurance company to avoid any last-minute hassles.