Corona Kavach 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.

Plan Highlights

Table Data updated on May, 2021

Corona Kavach by Insurance Companies

Table Data updated on May, 2021

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. Home Care Treatment Expenses

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

3. Pre and Post Hospitalisation Expenses

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

4. AYUSH Treatments

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

5. Coverage of Pre-existing Diseases

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

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.

FAQs