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National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
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National Health Insurance
National Corona Kavach Policy
The plan is specially designed to help people overcome the stress of p ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,705 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement
About National Corona Kavach Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
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.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- Day 1, Max- 64 years
Plan type
COVID-19 Specific Health Insurance
Sum insured options
₹5 Cr, ₹1 L, ₹3 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
105 days, 195 days and 285 days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Covers spouse and children
- Home care treatment
- No sub-limit
Cons
- Treatment outside India
- OPD diagnosis
- Injury due to illegal activity
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
National Health Insurance
This video explains National Health Insurance in detail.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 64 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to 5 Lakhs
Other features & benefits
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
National Corona Kavach Policy: FAQs
The 6 most-asked questions about National Corona Kavach Policy, answered.
No, there is no pre-policy health check-up required in this plan.
No, Corona Kavach is a short term policy and therefore does not offer renewal for lifetime option. Customers can buy a fresh policy on expiry with a fresh waiting period.
The policy has a waiting period of 15 days only.
Corona Kavach Policy offers single premium payment only.
No, Corona Kavach Policy does not allow portability benefits to the customers.
Being a short term policy, the free look period is not applicable for this plan.
Conclusion
Affordable short-term COVID health protection with essential hospitalization coverage and flexible p
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