CORONA KAVACH INSURANCE

Note: This will be your User ID for login

All about Corona Kavach Policy

With the COVID-19 pandemic hitting the world, insurance companies have introduced a special insurance policy.Following the guidelines by IRDAI, all insurance companies have launched the Corona Kavach Health Insurance. This is can be an Individual or a Family Floater Policy.This insurance policy is designed to cover you and your family’s treatment for COVID-19.

This COVID insurance policy is specially formulated to cover all your Hospitalisation expenses which would occur if you test COVID positive. Corona Kavach Health Insurance covers your pre and post hospitalisation expenses, Home care treatment expenses as advised by medical practitioners, , AYUSH treatment, etc.

Corona Kavach Health Insurance Policy at a Glance

Let's consider the below table to understand the coverage offered under Corona Kavach Policy as per the IRDA guidelines:

Features Details
Sum insured Min Rs 50,000 and max Rs 5 lakh
Minimum Hospitalization Duration required for Claim acceptance Minimum period of 24 hours.
Benefit Indemnity basis - Actual incurred Medical Expenses will be reimbursed
Optional benefit Hospital cash - Pays 0.5 per cent of the sum insured per day, maximum up to 15 days
Pre Hospitalization Expenses 15 days
Post Hospitalization Expenses 30 days
Sub limits 1. Home care treatment: Maximum upto 14 days per incident.
2. Ambulance Charges: Rs.2000/- per hospitalization.
Type of Policy Individual/Floater
Entry ages The minimum entry age for the policy shall be 18 years and the maximum 65. Dependent children shall be covered from the age of three months to 25 years
Relationships Covered Policy can be availed for Self, spouse, Parents, Parents-in-law and Dependent Children up to 25 years of age.
Policy tenure 3.5 months, 6.5 months, or 9.5 months
Waiting Period 15 days
Continuity Features lifelong renewability, Migration, and portability shall not be applicable
Discount 5% discount for healthcare workers.

Features & Benefits of Corona Kavach Policy

Corona Kavach Policy offers the following features and benefits:

  • You can choose a policy tenure of 3.5 months – 105 days, 6.5 months – 195 days, 9.5 months – 295 days.
  • The policy covers Pre and Post Hospitalisation expenses for a defined period
  • There is no cap on the room rent
  • The policy covers ambulance fee up to a certain limit
  • The policy covers basic features and benefits
  • Corona Kavach Health Insurance covers co-morbidities, nursing and ICU charges, surgeon’s fee, consumables such as PPE kits, etc.
  • The premium you pay for your insurance policy is eligible for tax benefits as per section 80D of the Indian Income Tax Act.
  • The policy covers individuals with the age of 18 to 65 years.
  • You can buy the policy for your whole family with the Corona Kavach Family Floater Policy.
  • This coronavirus health insurance includes coverage for inpatient care from treatments such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH).
  • There are no deductibles in the policy

Coverages Under Corona Kavach Health Insurance

Corona Kavach Health Insurance covers the following:

  • Hospitalisation expenses Cover for Covid Positive medical treatment
  • Pre and Post Hospitalisation expenses – 15 days before hospitalisation and 30 days post discharge.
  • Ambulance cover up to Rs 2000
  • Hospital Cash Benefit – The policy may offer a daily cash benefit of up to 0.5% of the sum assured.
  • Treatment at home for 14 days, depending on the condition of the patient
  • Expenses for treatment in ICU
  • Room rent without cap
  • AYUSH treatment cover
Ease of Buying Policy online, well equipped Customer support team to guide you in Buying journey, policy servicing and Claims Paybima Team will provide you end to end support; Right for Buying the Policy, policy servicing and assistance upto the settlement of Claims
    You can visit our special Corona Kavach health insurance page.
  • Fill in the form with your requirements.
  • This form will lead you to a list of insurers offering the policy according to your details.
  • Choose 3-4 policies to compare.
  • Finalise one policy which suits you best.
  • Read all the terms and conditions carefully.
  • Once decided, you can purchase it through any internet payment options.
Corona Kavach is a comprehensive COVID health insurance plan. You can make claims from Rs 50,000 to Rs 5,00,000. As mentioned above, the Corona Kavach health insurance policy covers pre and post hospitalisation expenses, ambulance fee, ICU expenses, consumables, surgery fee, doctor consultations, home treatment, AYUSH treatment, etc.
The sum insured available under Corona Kavach health insurance policy can range from Rs 50,000 to Rs 5,00,000. You can choose your plan according to your requirements and the premium. There are no deductibles in the policy and no room rent limit. You can even also avail optional benefit of Hospital cash and in case of Hospitalisation receive a per day hospital cash benefit of 0.5% of the sum assured.
There are three tenure options which you can choose for this COVID 19 insurance policy. The first is of 3.5 months – 105 days. Second is 6.5 months – 195 days or third, 9.5 months – 295 days.
Yes, both Cashless Claim and Reimbursement facility is available for Corona Kavach health insurance policy. However, for a cashless claim you should seek permission from the insurer through a pre-authorization letter. The reimbursement feature works similarly to any other health insurance policy.ie You have to Submit, Claim Form All Original medical Bills, reports, consultation papers, prescriptions, policy copy, ID proof etc to The insured or its appointed TPA to obtain the claim amount.
Anwaiting period of 15 days is applicable for a COVID-19 insurance plan.
Corona Kavach is a separate COVID-19 insurance cover which you will have to buy even if you have an existing health insurance policy. This policy has been specially designed keeping your requirements during the pandemic in mind. You can choose your sum, tenure and premium from multiple options. You can buy Corona Kavach even if you do not have an existing health insurance plan.
Corona Kavach only covers COVID-19 and not any other disease. This is a specially designed COVID-19 insurance cover introduced by the IRDAI. Any COVID claim before the starting date of the insurance policy will not be covered. Any hospitalisation for less than 24 hours will also not be covered.
No, there is waiting period of 15 days for Corona Kavach Health Insurance Policy. Any claims made within the waiting period will not be covered by the policy. You can use the cashless claim or reimbursement feature as per the terms of the policy.
Corona Kavach insurance policy is an Indemnity cover which covers medical expenses. It does not offer any monetary pay-out as death benefit. Corona Kavach health insurance policy covers pre and post Hospitalisation expenses including Pre-posthospitalisation expenses ambulance fee, ICU expenses, consumables, surgery fee, doctor consultations, home treatment, AYUSH treatment, etc.
Yes, Pre and Post hospitalisation expenses are covered under Corona Kavach health insurance policy. This covid-19 health insurance policy covers expenses occurring between 15 days before hospitalisation and 30 days post discharge. It also covers home treatment expenses for 14 days. On availing Optional Cover of Hospital Cash, You may receive an additional hospital cash benefit of 0.5% of sum insured up to a certain number of days.
Your premium will depend upon your sum insured and your tenure. However, Corona Kavach Health Insurance premium is a single payment COVID-19 health insurance policy. Which means that you only have to pay your premium once during your tenure, which is at the time of inception of the policy.
Corona Kavach – COVID-19 Health insurance policy price is different for different insurance companies. It can range from approx. Rs 600 plus taxes to approx. Rs 10000 plus taxes. The premium is calculated on the basis of the policyholder’s age, number of insured persons, the sum insured and the tenure. There is a 5% discount on the insurance premium for health workers according to the guidelines by IRDAI.
Corona Kavach is an indemnity-based insurance plan. This means that the policy covers the hospital bill, other relavent medical expenses;and the policyholder gets reimbursed up to the sum insured limit subject to terms and conditions. You can use the COVID-19 health insurance cashless claim feature or get your bills reimbursed from the insurance company.
You can use the cashless claim feature if your insurance company has an association with your hospital. If not, you can get your hospitalisation and other medical bills reimbursed by the insurance company. But with any type of claim, you need to inform your insurer at least 72 to 24 hours before hospitalisation. If your claim is approved, the insurance company will either settle the bills with the hospital or reimburse you.
Yes, cashless claim feature is available for Corona Kavach health insurance claim if your insurer has an association with the hospital. However, submit a pre-authorisation letter seeking the permission from the insurance provider. Whether it is a cashless claim or a reimbursement claim, you need to inform your insurer at least 72 to 24 hours before hospitalisation.
No, Corona Kavach Health insurance only covers hospitalisation and medical expenses. This coronavirus health insurance policy covers pre and post hospitalisation expenses, ambulance fee, ICU expenses, consumables, surgery fee, doctor consultations, home treatment, AYUSH treatment, etc. It does not offer evacuation or repatriation benefits to the policyholder.