National Corona Kavach Policy

Overview

National Health Insurance Company has recently launched an insurance plan called 'Corona Kavach Policy' that provides coverage for expenses incurred during the treatment of COVID-19 infection. The plan is specially designed to help people overcome the stress of paying heavy hospital bills that arise while getting treatment for COVID-19 infection. The plan comes in the form of an individual and family floater policy.

In such difficult times, the smartest way to ensure the protection of your family members is by investing in a health insurance plan that provides coverage for COVID-19 treatment. To learn more about this Corona Kavach Policy, keep reading the sections below for complete details about the plan's features, benefits, and eligibility criteria.

Key Features of Corona Kavach Policy

• Comprehensive Cover

  The plan offers a wide range of coverage to adults between 18 to 65 years and children between 1 day to 25 years.

• Sum Insured Range

  The Corona Kavach Policy is available with sum insured amounts ranging from Rs. 50,000 to Rs. 5 Lakhs.

• COVID Hospitalization Cover

  The policy covers medical expenses incurred for the hospitalization of the insured person during the treatment of COVID-19 infection. The expenses covered include room rent, boarding, nursing charges, ICU expenses, surgeon/doctor fees, anesthesia, blood, oxygen, operation theater and ventilator charges, medicines and drugs, and costs towards diagnostics.

• Ambulance Cover

  Expenses incurred on road ambulance service availed in relation to COVID-19 hospitalization are also covered under this plan. The maximum limit of this cover is Rs. 2,000 per hospitalization.

• Home Care Treatment Expenses

  If the insured person tests positive for COVID-19 and opts for home care and quarantine, this policy will cover all expenses related to the home care COVID-19 treatment of the policyholder.

• AYUSH Treatment

  With this policy, medical expenses incurred due to COVID-19 hospitalization get covered if the policyholder's treatment is done in any AYUSH Hospital (India's medical hospitals and centers including Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy).

• Pre & Post Hospitalization

  The plan also provides pre-hospitalization cover (up to 15 days) and post-hospitalization cover (up to 30 days) respectively for the treatment of COVID-19 infection.

• Hospital Daily Cash

  With this feature, the insured person is allowed to avail an amount of 0.5% of the sum insured per day for every 24 hours of continuous hospitalization. However, this benefit will be paid for a maximum of up to 15 days during a policy period for each insured person.

• Discounts and Offers

  The policy offers a special 5% discount for healthcare workers and another 10% discount on online purchase of the plan where no intermediary is involved.

• Tax Benefits

  The premium paid towards the Corona Kavach health insurance policy is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Exclusions

• Hospital admission primarily for diagnostics and evaluation purposes.
• Hospital admission primarily for enforced bed rest and not for receiving treatment.
• Any treatment, procedures, or supplies that lack proof of significant medical documentation.
• Any claim about COVID-19 where it has been diagnosed before the policy start date.
• Any expenses incurred on Day Care and OPD treatments.
• Diagnosis/Treatment performed outside the geographical limits of India.
• Testing done at a diagnostic center that is not authorized by the government.
• For a complete list, refer to the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company.

Eligibility Criteria of Corona Kavach Policy

There is a fixed set of eligibility conditions that customers are required to fulfill to buy this plan. The eligibility criteria are as follows:

• Age at entry (adults): Minimum 18 years, Maximum 64 years
• Age at entry (children): Minimum 1 day, Maximum 25 years
• Sum Insured: Rs. 50,000 to Rs. 5 Lakhs
• Policy Period: 105 days, 195 days, and 285 days
• Family Members covered: Self, Spouse, Dependent children, Parents, and Parents-in-law
• Pre & Post Hospitalization: 15 & 30 days