National Corona Kavach Policy
  • Explore plan's features and benefits
  • Find out the eligibility requirements
  • Understand buying process of the plan
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National Insurance Corona Kavach Policy

The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Ever since the outbreak of this virus, many people have lost their near and dear ones and (still counting). 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 treatment.

National Insurance Company has recently launched an insurance plan called 'Corona Kavach Policy' that provides coverage for the 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 of COVID infection. The plan comes both in the form of an individual and family floater policy.

To collect more knowledge about this "Corona Kavach Policy", keep reading the section discussed below where we've mentioned complete details about the plan's features, benefits, and eligibility criteria.

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Key Features of Corona Kavach Policy

  1. Comprehensive Cover

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

  2. Sum Insured Range

    The Corona Kavanch Policy is available within a variety of sum insured amounts ranging between Rs. 50,000 to Rs. 5 Lakhs.

  3. COVID Hospitalization Cover

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

  4. Ambulance Cover

    Expenses incurred on road ambulance service availed in relation to COVID hospitalization are also covered under this plan. The maximum limit of this cover is Rs.2000/- per hospitalization.

  5. Home Care Treatment Expenses

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

  6. AYUSH Treatment

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

  7. 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 infection.

  8. 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 a maximum of up to 15 days during a policy period in respect to every insured person.

  9. Discounts and Offers

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

  10. Tax Benefits

    The premium paid towards the Corona Kavach health insurance policy is liable to get the helpful tax benefits under section 80D of the Income Tax Act, 1961.

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Eligibility Criteria of Corona Kavach Policy

There is a fixed set of eligibility conditions that customers are required to fulfill in order to buy this plan. The eligibility table given below highlights those conditions of this plan. Let's check.

Criteria Minimum Maximum
Age at entry (adults) 18 years 64 years
Age at entry (Children) 1 day 25 years
Sum Insured Rs. 50,000 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-hospitalisation 15 & 30 days

Exclusions of Corona Kavach Policy

National Insurance Company has set a list of certain exclusions for this plan under which no claim is provided to the customer. Let's have a look at these exclusions.

Expenses related to any of the following reasons are excluded from the plan's coverage limits:

  • 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 in relation to COVID where it has been diagnosed before the policy start date.
  • Any expenses incurred on Day Care treatment and OPD treatment.
  • Diagnosis /Treatment performed outside the geographical limits of India.
  • Testing done at a diagnostic centre that is not authorized by the government.

Buying process of Corona Kavach Policy

To make this plan accessible for a large group of customers, the National Insurance Company adopts several ways to sell this plan. Customers can purchase Corona Kavach Policy from the following channels:

  • From the company's online portal
  • From the company's operating offices
  • From the company's intermediaries
  • From third-party intermediaries like brokers
  • From Office on Wheels (office on a mobile van)

Out of all these methods, one of the safest and easiest ways to purchase this policy is to buy it from the official website of the National Insurance Company. For your convenience, we've listed down the steps of buying this policy from the online portal of the company. Let's take a look.

Step 1

Visit the official website of National Insurance.

Step 2

Go to 'Products->Health->Know More'.

Step 3

Choose 'Corona Kavach Policy' and tap on 'View Policy Details'.

Step 4

Scroll down and tap on 'Buy Policy Online'.

Step 5

Enter your 'Customer Id' and Password' to check the policy premium.

Step 6

Pay the premium online and the soft copy of the policy will be sent to your registered email address.

What Is the Claim Procedure of National Corona Kavach Policy?

National insurance company settles claims using two easy methods:

Cashless Claim processReimbursement Claim process

In the cashless claim process, the company settles all the hospitalization expenses of the policyholder. But in the reimbursement process, the policyholder has to make payment of the hospital expenses on his own and can later reimburse those expenses from the insurance company by submitting the hospital bills and other required documents.

Given below is a detailed explanation of both these claim processes. Let's find out.

Cashless Claim

The cashless facility is only for policies that are purchased via a Third-Party Administrator (TPA).

  • One has to check whether the selected hospital falls under the list of network hospitals as the cashless claim facility is available at the network hospital only.
  • In planned hospitalisation, the insured has to inform TPA/company in advance (72 hours prior) about the case.
  • In emergency hospitalisation of the insured, (s)he must inform the TPA/company within 24 hours of the hospitalization.
  • On getting admitted, a pre-authorisation request will be shared with the TPA by the hospital along with the duly signed documents.
  • The TPA will settle all the bills with the hospital.

Note Submit all the required documents to the TPA within 15 days.

Reimbursement Claims

  • One has to submit a written intimation (through the mail/fax) about the hospitalisation to the Third-Party Administrator (TPA)/company within 72 hours of emergency/planned hospitalisation.
  • Don't forget to collect the discharge summary, investigation report, and required documents from the hospital.
  • All original documents should be submitted to TPA/company within 15 days from the date of discharge.
  • The company will verify all the documents and approve the claim amount.

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1. Does the plan require a pre-policy health check-up?

No, there is no pre-policy health check-up required in this plan.

2. Is this policy renewable?

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.

3. What is the waiting period in this plan?

The policy has a waiting period of 15 days only.

4. What is the premium payment frequency of this plan?

Corona Kavach Policy offers single premium payment only.

5. Can I port my policy from one insurer to another?

No, Corona Kavach Policy does not allow portability benefits to the customers.

6. What is the Free look period of this plan?

Being a short term policy, the free look period is not applicable for this plan.

Find Out What The Customers Are Saying

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simaranjeet kaur


March 14, 2022

My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.

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Urmil Thakur


September 1, 2021

I bought my health plan from National a while back. Recently had to make a claim for hospitalization. I was a little worried but the response time was at best amazing! Thanks guys

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Akshay Malhotra


August 18, 2021

I have bought health insurance from National Health Insurance and I am very impressed by their services and attention towards customers.

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Pooja Singh


May 10, 2021

I will recommend everyone to buy health insurance plan from this company because I am very happy with the plan I purchased from the company. I am using my insurance from two years and till now ...

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Bipinchandra Somabhai Patel


October 26, 2020

I want to portability of United India insurance company individual health mediclaim policy taken since December 2005 and falling due for renewal on 06-12-2020

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May 6, 2018

I hold a National Parivar Mediclaim insurance plan with National Insurance from last 3 years, i am happy with the coverage value of this policy.

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alok kumar de


October 16, 2017

my varistha mediclaim policy number of which is-150100501610012195 renewed this year but when i want to know my claim claim status online it says wrong policy number then what is the corect num...

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Sabhadiya nareshbhai govindbhai


September 30, 2017

My father has been admitted in hospital but ypur company not receive my call I inform you for admitted my father date 30/09/2017

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