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.
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 with a sum insured Rs. 5 lakh | · | · | |||
S.no | 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 offers comprehensive coverage to the insured if (s)he is diagnosed with COVID-19. Let's check out the coverage in detail.
The plan offers hospitalization coverage for COVID-19 (up to INR 5,00,000)
It also offers coverage for availing treatment at home for COVID-19.
Corona Kavach policy provides pre & post hospitalization coverage (up to the sum insured) for 15 & 30 days respectively.
The plan offers coverage against inpatient care treatment for COVID-19 under Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy.
Any disease (including pre-existing conditions) will be liable to get the cover along with COVID-19.
Below is a list of exclusions under Corona Kavach Policy
Hospitalization for diagnostics and evaluation purposes is not liable to get the coverage as it is not part of the treatment.
Expenses associated with bed rest, custodial care at home, or nursing facility is not covered.
The expenses of medicine without a prescription is not liable to get the required coverage.
The plan does not offer coverage against unproven treatment, services, and supplies that lack significant medical documentation to support their effectiveness.
Medical expenses due to OPD treatments or daycare procedures will not get covered.
Any expenses incurred with respect to inoculations, vaccinations, or other preventive treatment shall not be covered.
Testing done at a diagnostic centre, which is not authorized by the Government will not be recognized by this policy.
Buying Corona Kavach Policy is very simple. Just follow the below-mentioned steps-
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.
Dr YSR Aarogyasri Scheme
June, 2022
Star Health Insurance Covered Diseases List
June, 2022
Non-Medical Expenses in Health Insurance
April, 2022
Having a Good Health Insurance Advisor
April, 2022
Health insurance is a must in traveling itinerary
April, 2022
Health Insurance Riders and their relevance
April, 2022
Difference Between Insurance and Assurance
April, 2022
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.
(Showing latest 5 reviews only)
June 15, 2022
Vidya
JaipurJune 15, 2022
Varsha
DehradunTrustworthy insurance plans and quick claim settlement process! I appreciate the customer care team of Bharti AXA for their efficient response
June 13, 2022
Rajan Narela
JaipurI am totally in love with the health plans offered by the Edelweiss Health Insurance company. If you want a health plan, you should go for this company.
June 13, 2022
Vidya Bhan
BhopalVery nice company with a range of health products. I have bought one plan for myself and my husband, and one for my aged in-laws. Happy with both the plans
June 9, 2022
Priya Sharma
HyderabadI will rate this company good because I purchased a health policy that has good coverage and less premium. I pay my premium online and I am convenient with the payment options.
Last updated on September, 2021
Get Instant Quotes
Underrated company in my opinion people should buy their insurance plans and avail their quick services and affordable plans