There has been a surge in covid cases in neighboring countries, leading to increased concerns about masks, vaccines and covid-specific insurance plans. One of the reasons for the low utilization of insurance is that insurance is often viewed as covering events that are unlikely to occur in the future. However, Covid-specific plans address this perception. The fact that in most households at least one member has been affected by covid makes it more likely. In addition, the risk of covid is imminent, as seen in the previous waves of the virus, when cases multiplied rapidly. For these reasons, people are more interested in buying covid-specific insurance plans as a way to hedge against the risk.