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Zuno Health Insurance launched Covid Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, designed to address the financial burdens of the Coronavirus pandemic. These plans aim to provide peace of mind by ensuring access to timely and comprehensive medical care without the added stress of exorbitant expenses. The plan offers three policy tenures:
Under Corona Kavach, hospitalization expenses are covered if you are hospitalized due to COVID-19. Additionally, Corona Rakshak offers a 100% lump sum of the sum insured when the policyholder is hospitalized for more than 72 hours due to COVID-19.
| PLAN DETAILS |
Zuno Covid Healthcare Insurance |
Narayana Arya Health Insurance |
| Product Type | Individual and Family 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 | Not 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.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 2400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not 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 | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | Available |
| Plan Entry Age | Min entry age - 18 Years, Max entry age - 65 Years | 3 months to 65 years |
| Plan Premium Entry Age and S/A | 4,200 | 14,600 |
| Plan Waiting Period | 15 | 00 |
| Plan Coverage | Covid hospitalization cover, home care treatment, pre and post hospitalization expenses, cashless treatment | Hospitalisation expenses, surgical procedures, diagnostic services, pre and post-hospitalisation, cashless treatment network |
| Plan Sample Premium | 4,200 | 14,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 3.5, 6.5, 9.5 | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98.54 | 100 |
| Solvency Ratio | 1.97 | 1.61 |
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