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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 DETAILS |
National Corona Kavach Policy |
Complete Health Insurance |
| Product Type | COVID-19 Specific Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3200 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | Min- Day 1, Max- 64 years | 3 months |
| Plan Premium Entry Age and S/A | 4000 | 6033 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | In-patient COVID hospitalization expenses, Pre & post hospitalization expenses, AYUSH treatment coverage, Ambulance and ICU expenses | Hospitalization expenses, pre post hospitalization, daycare treatments, AYUSH treatment, organ donor cover, ambulance expenses |
| Plan Sample Premium | 4000 | 6033 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 105 days, 195 days and 285 days | 1, 2 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 91.31 | 97.16 |
| Solvency Ratio | -0.67 | 2.69 |
|
National Health Insurance ICICI Lombard Health Insurance Review |
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