Network hospitals
9100+
Incurred claim ratio
86.31%
Sum insured
Up to 5 Cr
No. of Plans
1
Solvency Ratio
1.5
Pan India Presence
127+
To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medical expenses in such unprecedented times.
Corona Kavach Insurance Plan is specifically designed to cover COVID-19 patients. It protects you and your family against the medical and hospitalization expenses that occur due to COVID-19. This plan includes the coverage for pre and post-hospitalization, AYUSH treatment, domiciliary, and home care treatment expenses. The coverage under this plan starts from the day you are diagnosed with COVID-19.
To understand Corona Kavach Plan Insurance in detail, take a look at the below table:
Child Age: 1 day to 25 years, Adult Age: 18 to 65 years
Individual and Family Health Insurance
50K | 1L | 1.5 L | 2 L | 2.5 L | 3 L | 3.5 L | 4 L | 4.5 L | 5 L
15 Days
Lifelong
3.5 months, 6.5 months and 9.5 months
*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.
With wide coverage options available, Corona Kavach Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Covered
Co-payment
Not Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Dietary Supplements and substances purchased without a prescription
Any claim related to COVID-19 diagnosed before the policy commencement
Any medical expenses incurred on OPD treatment and daycare procedures
Diagnostic tests or treatments performed outside India
Treatment at unauthorized Covid-19 testing centre
Rehabilitation, rest cure, and respite care
To cater to the different medical needs of an individual & their family, Reliance 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 Reliance Health Insurance plans explore more:
Individual
Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child edu...
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Individual and Family Health Insurance
Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes i...
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Individual and Family Health Insurance
Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their poli...
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Individual and Family Health Insurance
Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage ...
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Individual and Family Health Insurance
Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Reliance Arogya Sa...
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Individual and Family Health Insurance
To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medic...
Unique Features
Critical Illness Health Insurance
Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. ​Reliance Critical Il...
Unique Features
Group Health Insurance
Reliance General Group Mediclaim Insurance covers your employee's health at an economical cost and lets you enjoy tax benefits too. Reliance General ...
Unique Features
Individual
It's not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents and the uncer...
Unique Features
Yes, the plan offers the optional benefit of Hospital Daily cash, wherein the company pays a Daily cash pay-out for every 24 hours of hospitalisation.
Reliance Health Corona Kavach Insurance allows you to make any number of insurance claims until the claim amount does not exceed the sum assured.
Yes, you can earn tax benefits on the premium paid for Reliance General Corona Kavach Health Insurance Policy. The tax deductions will be applicable as per Section 80D of the Income Tax Act, 1961.
To renew your Reliance Corona Kavach Policy, you need to visit the official website of Reliance General. For further clarifications, get in touch with the PolicyX.com experts.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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