Personal Accident Insurance
vs
Reliance Corona Kavach Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Personal Accident Insurance |
 Reliance Corona Kavach Policy |
| Premium Including GST | ||
| Product Type | Accident 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 |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
16400 | 9100 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | 18 Years | Child Age: 1 day to 25 years, Adult Age: 18 to 65 years |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 15 |
| Plan Coverage | - | Individual / Family Floater |
| Plan Sample Premium | NA | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Years | 3.5 months, 6.5 months and 9.5 months |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 96.83 | 87.50 |
| Solvency Ratio | 1.9 | 1.5 |
Out of over 5 lakh road accidents in India, the reported total number of deaths is more than 1.6 lakhs and over 4.4 lakhs of people got severely injured. This was a shocking report published by the States and Union Territories on PIB.
Digit personal accident insurance policy is a product that has your back, whether to protect you medically or financially when you require it the most. Not limited to the insured member only, it also covers nominees of the insurance policy. Let's assume here the worst scenario of a policyholder's accident, the chances are; that they can either face an accidental death or can cause a total or partial disablement for life. The accidents can be of any sort, like a road accident, a fall, a slip off from the stairs, burns due to a fire, or anything else.
Do you think, the insured individual will be able to take care of their family after an accident of such severity? Most people can't. Then why should we wait for financial distress to come, when we can secure our family's future beforehand?
However, before moving forward to a decision, know about the specifications and exclusions of the Digit personal accident insurance plan that covers hospitalization expenses in case of an accident or injury. Additionally, it provides your family with financial cover, education grants for children, and expenses for their marriage (when the insured is suffering from a permanent total disability or died due to an accident).
Read on to know more about Digit health insurance for personal accident coverage offerings.
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With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.
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