Corona Kavach Policy

Corona Kavach Health Insurance Policy

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

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

Corona Kavach offers comprehensive coverage if the insured is diagnosed with COVID-19. Let’s check out the coverage in detail.

• Hospitalisation Cover

  The plan offers hospitalisation coverage for COVID-19 (up to ₹5,00,000).

• Home Care Treatment Expenses

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

• Pre and Post-Hospitalisation Expenses

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

• AYUSH Treatments

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

• Coverage for Pre-existing Diseases

  Coverage for pre-existing diseases when treated concurrently with COVID-19.

What is Not Covered Under the Corona Kavach Policy?

Below is a list of exclusions under the Corona Kavach Policy:

• Diagnostic Expenses Only

  Hospitalisation solely for diagnostics and evaluation purposes is not covered, as it is not considered part of active treatment.

• Rehabilitation and Cure

  Expenses for bed rest, custodial care at home, or nursing facilities are not covered.

• Dietary Supplements and Unprescribed Medicine

  Expenses for medicines without a valid prescription are not covered.

• Unproven Treatments

  The plan does not cover unproven treatments, services, or supplies that lack significant medical documentation to support their effectiveness.

• Daycare Treatments

  Medical expenses for OPD treatments or daycare procedures are not covered.

• Vaccination and Preventive Treatments

  Expenses for inoculations, vaccinations, or other preventive treatments are not covered.

• Unauthorized Testing

  Testing conducted at diagnostic centres not authorized by the Government will not be covered by this policy.

How to Buy the Corona Kavach Policy?

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

1. Visit the official website of the respective insurer.
2. Under Health Insurance plans, search for ‘Corona Kavach Policy’.
3. Explore the plan and provide the required information such as your name, DOB, age, and contact number.
4. Choose the sum insured and policy tenure as per your convenience.
5. Complete the payment using available options.
6. Once the payment is done, the company will share the policy documents on your registered email ID. A hard copy will be sent to your registered address.

How to Claim for the Corona Kavach Policy?

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

1. Inform the insurance company as soon as possible for both planned and emergency hospitalisation.
2. For cashless claims, a pre-authorization form must be submitted to seek cashless permission. For reimbursement claims, the insured must pay for treatment at a non-network hospital and then submit necessary documents for reimbursement.
3. After approval, the insurance company will settle the amount directly with the hospital or reimburse the admissible amount to the insured.