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Updated on Apr 08, 2025 4 min read

National 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-19 treatment.

National Health 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 for COVID-19 infection. The plan comes 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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National Corona Kavach Policy Specifications

To understand National Corona Kavach Policy Insurance in detail, take a look at the below table:

Entry Age

Min- Day 1, Max- 64 years

Policy Type

Critical Illness Health Insurance

Sum Insured

500K | 1 L | 3 L | 5 L

Initial 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.

Key Features of Corona Kavach Policy

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.
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.
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.
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.
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.
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).
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.
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.
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.
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.

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 about 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.

Others, check 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 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

Explore other National Health Insurance

To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:

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Hospital Cash
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Funeral Expenses

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Min entry age: 60 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Top Up and Super Top Up

Super Top-up Mediclaim Policy

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Modern treatment cover

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Organ donation covered
Morbid obesity treatment covered
Portability allowed
High SI

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Treatment outside India
OPD diagnosis
Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Affordable premiums
Tax benefits
HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Critical Illness Health Insurance

National Corona Kavach Policy

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Corona Kavach features and benefits
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Buying process of the plan

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Covers spouse and children
Home care treatment
No sub-limit

National Corona Kavach Policy (Cons)

Treatment outside India
OPD diagnosis
Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

15 day pre hospitalisation
Discount available
Tax benefit

National Corona Kavach Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy

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Online purchase dicount
EMI facility available
High SI
Affordable premium

National Arogya Sanjeevani Policy (Cons)

Treatment outside India
OPD diagnostics
Adventure sport injuries
Injury due to illegal activities

National Arogya Sanjeevani Policy (Other Benefits)

Enhanced limits for room rent
Avail online discounts
Change sum insured
Lifelong renewal

National Arogya Sanjeevani Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Parivar Mediclaim Policy

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Infertility treatment cover
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Ambulance covered
Cataract covered

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Treatment outside India
OPD diagnosis
Adventure sports

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AYUSH cover
No co-pay
Vaccination

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Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Mediclaim Policy

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Easy claim process

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All-Inclusive Coverage
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No Claim Bonus

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Cosmetic Surgery
IVF
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Tax Benefits
Avail 10% Discount
Health Incentives

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Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Mediclaim Plus Policy

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12 modern treatment covered
Maternity covered
Lifelong renewability

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Pre-existing diseases
Treatment outside India
Adventure sports injury

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COVID vaccination
Air ambulance
Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Accident Health Insurance

National Personal Accident Policy

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PPD/ PTD & TTD cover
Accidental death coverage
Assured death payout

National Personal Accident Policy (Pros)

100% accidental death payout
PTD benefit
PPD benefit
TTD benefit

National Personal Accident Policy (Cons)

PEDs not cover
Adventure sports not covered
Vaccination not covered

National Personal Accident Policy (Other Benefits)

Mortal remains portability
Death coverage benefits
Loss of organ cover
Educational fund

National Personal Accident Policy (Eligibility Criteria)

Entry age: 5-70 years
SI: Upto INR 10 lakh
Policy tenure: 1 year
Waiting period: None

Group Health Insurance

National Insurance Group Mediclaim Policy

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Coverage for modern treatment
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National Insurance Group Mediclaim Policy (Pros)

140+ daycare procedure
HIV cover
Affordable premiums
AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

Treatment outside India
OPD diagnostic
Adventure sport injuries
Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

Co-pay discounts available
PED cover
30 day pre-hospitalisation
Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

Entry age- 3 Months
Max entry age- N/A
SI- 50K to 10 L
Waiting Period- 30 days

Individual and Family Health Insurance

National Young India Mediclaim Policy

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Room Rent Cover
Day Care Procedure
AYUSH Treatment

National Young India Mediclaim Policy (Cons)

Morbid Obesity Treatment
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Cumulative Bonus
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National Young India Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
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Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

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National Parivar Mediclaim Plus Policy

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Avail Maternity Cover

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Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

Hazardous or Adventure Sports
Treatment for Alcoholism
Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

Maternity Cover
Infertility Treatment
Vaccination for Children
Obesity

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

National Corona Kavach Policy: FAQs

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 the National Corona Kavach plan?

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

National Corona Kavach Policy

National Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

National Corona Kavach Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Key Features of Corona Kavach Policy

Comprehensive Cover

Sum Insured Range

COVID Hospitalization Cover

Ambulance Cover

Home Care Treatment Expenses

AYUSH Treatment

Pre & Post Hospitalization

Hospital Daily Cash

Discounts and Offers

Tax Benefits

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Exclusions of Corona Kavach Policy

Eligibility Criteria of Corona Kavach Policy

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National Corona Kavach Policy: FAQs

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

2. Is this policy renewable?

3. What is the waiting period in this plan?

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

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

6. What is the Free look period of the National Corona Kavach plan?

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