Corona Kavach Policy
  • Receive 100% Of The Claim.
  • Waiting Period 15 Days
  • Hospitalization Expenses Cover
Corona kavach policy
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Corona Kavach Health Insurance Policy

Seeing the rising Coronavirus cases in the nation, quality healthcare and fast treatment has become the need of the hour. Hence, the Insurance Regulatory and Development Authority of India (IRDAI) has announced the launch of Corona Kavach Policy and made it compulsory for all General & Standalone health insurance companies in India to provide this policy to its customers.

Corona Kavach is an indemnity based health insurance plan. This health insurance plan is designed to safeguard you and your family from the heavy expenses of COVID-19. This plan is available on an individual as well as the family floater basis.

Coronavirus Insurance Details
Corona Kavach Policy Info

Plan Highlights

Sum Insured (SI) - on an annual basis (in Rs.) 50k to 5L (in multiple of 50k)
Policy Tenure 3.5, 6.5 and 9.5 months
Waiting period 15 days

Table Data updated on May, 2021

Corona Kavach by Insurance Companies

Corona Kavach with a sum insured Rs. 5 lakh · · Insurer Premium for age 18 to 35 Premium for age 36- 45 Premium for age 46 - 50 Premium for age 51 - 55
1 HDFC ERGO Rs.768 Rs.1064 Rs.1623 Rs.2274
2 Bajaj Allianz Health Insurance Rs.1320 Rs.2770 Rs.4760 Rs.2965
3 Star Health Insurance Rs.1901 Rs.2281 Rs.2965 Rs.2965
4 Coco by Navi General Insurance Company Rs.5422 Rs. 7345 Rs. 7636 Rs. 8946
5 SBI General Insurance Company Rs.9996 Rs.9996 Rs.12790 Rs.12790

Table Data updated on May, 2021

Corona Kavach Policy

What is Covered Under Corona Kavach Policy?

Corona Kavach offers comprehensive coverage to the insured if (s)he is diagnosed with COVID-19. Let's check out the coverage in detail.

  1. Hospitalization Cover

    The plan offers hospitalization coverage for COVID-19 (up to INR 5,00,000)

  2. Know More About: Hospitalization Insurance in Health Insurance
  3. Home Care Treatment Expenses

    It also offers coverage for availing treatment at home for COVID-19.

  4. Know More About: Home Care Services Covered Under Health Insurance
  5. Pre and Post Hospitalisation Expenses

    Corona Kavach policy provides pre & post hospitalization coverage (up to the sum insured) for 15 & 30 days respectively.

  6. AYUSH Treatments

    The plan offers coverage against inpatient care treatment for COVID-19 under Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy.

  7. Know More About: Home Care Services Covered Under Health Insurance
  8. Coverage of Pre-existing Diseases

    Any disease (including pre-existing conditions) will be liable to get the cover along with COVID-19.

  9. Know More About: Pre Existing Disease in Health Insurance

Other Health Insurance Companies

What is Not Covered Under Corona Kavach Policy?

Below is a list of exclusions under Corona Kavach Policy

  1. Diagnostic Expenses

    Hospitalization for diagnostics and evaluation purposes is not liable to get the coverage as it is not part of the treatment.

  2. Rehabilitation & Cure

    Expenses associated with bed rest, custodial care at home, or nursing facility is not covered.

  3. Dietary Supplements

    The expenses of medicine without a prescription is not liable to get the required coverage.

  4. Unproven Treatments

    The plan does not offer coverage against unproven treatment, services, and supplies that lack significant medical documentation to support their effectiveness.

  5. Daycare Treatments

    Medical expenses due to OPD treatments or daycare procedures will not get covered.

  6. Vaccination

    Any expenses incurred with respect to inoculations, vaccinations, or other preventive treatment shall not be covered.

  7. Unauthorized Testing

    Testing done at a diagnostic centre, which is not authorized by the Government will not be recognized by this policy.

How To Buy Corona Kavach Policy?

Buying Corona Kavach Policy is very simple. Just follow the below-mentioned steps-

  • Visit the official website of the respective insurer.
  • Under Health Insurance plans, search for 'Corona Kavach Policy'.
  • Explore the plan and provide the required information such as your name, DOB, age, contact number, and much more.
  • Choose the sum insured and policy tenure as per your convenience.
  • Pay using available payment options.
  • Once the payment is done, the company will share the policy documents on your registered e-mail id. The hard copy of the same will be sent to the registered address.

How To Claim For Corona Kavach Policy?

The claim process of Corona Kavach Policy is similar to a regular health insurance plan. The policy can be claimed for cashless or either reimbursement. The steps for filing a claim are mentioned below.

  • Inform the insurance company as soon as possible. The company will entertain both- planned/emergency hospitalization.
  • In case of a cashless claim, a pre-authorization form has to be submitted, seeking cashless permission from the insurance company. In case of reimbursement, the insured has to get the treatment done at a non-network hospital, pay the expenses, and then ask for the reimbursement by sharing the necessary documents.
  • After approval, the insurance company will settle the amount directly at the hospital or reimburse the same up to an admissible amount.

Health Insurance Articles

Corona Kavach Policy FAQs

1. Is there an age limit to buy Corona Kavach Policy?

The minimum entry age is 1 day for children and 18 years for adults. The maximum entry age limit for adults is 65 years. Dependent Children will be covered up to 25 years in a floater policy

2. Is there any pre-policy medical check required for buying this policy?

No PPMC will be required for this policy.

3. How many sum insured options are available in this policy?

The Sum Insured options available under this policy include Rs. 50,000, 1 lac, 1.5 lacs, 2 lacs, 2.5 lacs, 3 lacs, 3.5 lacs, 4 lacs, 4.5 lacs, 5 lacs.

4. Is there a limit as to how long a person can stay in the hospital?

In the case of COVID-19 hospitalization, the patient can stay at the hospital until the recovery. There is no such restriction on the number of days.

5. Will I get tax benefits under Corona Kavach Policy?

One can avail tax benefit under Section 80 D of Income Tax Act, 1961. This section is subject to revision in tax laws.

6. Does this policy offer worldwide coverage?

No, that won't be possible.

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March 5, 2023

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February 21, 2023

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