Corona Kavach Plan
  • Covers COVID-19
  • Check the Eligibility
  • Coverage details of the plan

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Corona Kavach Insurance Plan

The global pandemic i.e COVID-19 declared by WHO has affected millions of people around the world in 2020, and now in 2021, it is on the rise again. Since there is no specific treatment for COVID-19 till now, infected patients still rush to the hospitals and end up paying heavy bills. To avoid such financial stress, Reliance Health Insurance offers Corona Kavach Plan that takes care of your medical expenses in these unprecedented times.

Corona Kavach Insurance Plan is specifically designed to cover COVID-19 patients. It is an affordable and pocket-friendly policy that 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 treatments, domiciliary, and home care treatment expenses. The coverage under this plan starts from the day you are diagnosed with COVID-19. Thus, it is the ideal time to go for this plan.

Eligibility Criteria of Corona Kavach Insurance Plan

Parameters Eligibility
Minimum Entry Age Child: 1 year
Adult: 18 years
Maximum Entry Age Child: 25 years

Adult: 65 years
Type of Plan Individual or Family Floater
Members covered under this plan A policy can be availed for self and the following members of the familySpouse (Legally wedded)
Parents and parents-in-law
Dependent children (naturally or legally adopted)

**Last Updated on 11-05-2021

Key Features and Benefits Of Corona Kavach Insurance Plan

Let's understand the key features and benefits of the Corona Kavach Insurance Plan.

  1. Individual and Family Floater Option

    Under this plan, you can opt for the Individual and family floater option with a wide range of sum insured options available from Rs. 50, 000 to Rs. 5 lakhs.

    • Inpatient treatment - This plan covers medical expenses incurred on COVID-19 hospitalization,
    • Room rent charges, nursing, and boarding expenses.
    • ICU/ICCU charges
    • Expenses on Road ambulance subject up to a maximum of Rs. 2000/- per hospitalization.
    • Medical practitioner/Doctor fees, Consultant fee.
    • Operation theatre (OT) charges, Anesthesia, surgical appliances, ventilator expenses, PPE kit, mask, gloves, diagnostic imaging instruments expenses.
  2. Home Care Treatment

    Get the coverage for the medical expenses incurred during the treatment done at home for COVID-19. This is applicable for a maximum of 14 days during the policy tenure.

    • It includes diagnostic tests performed at home or the diagnostic centers.
    • Consultation and nursing charges related to medical staff and practitioners.
    • Expenses on Pulse oximeter, oxygen cylinder, and Nebulizer.
    • Medicines and drugs prescribed by a doctor.
  3. AYUSH Treatment

    The medical expenses of Ayurveda, Unani, Siddha, and Homeopathy for COVID patients are also covered under this plan.

  4. Pre-Hospitalization

    The medical expenses are covered for up to 15 days before the date of hospitalization.

  5. Post-Hospitalization

    The medical expenses are covered for up to 30 days after the date of discharge from the hospital.

  6. Hospital Daily Cash Benefit

    The plan provides daily cash benefit in case of hospitalization 24 hours of hospitalization for a maximum of up to 15 days.

Plan Details

Sum Insured Rs. 50,000 - Rs 5 lakhs
Policy Tenure 3.5 months, 6.5 months, 9.5 months
Cover type Indemnity Plan
Hospital Cash Benefit Up to 15 days
Pre and post hospitalization 15 days and 30 days
Waiting Period 15 days
AYUSH Benefit Covered
Pre Insurance Medical Examination It does not require a PME test irrespective of the sum insured and the age of the policyholder.

**Last Updated on 11-05-2021

Exclusions

Take a look at some of the major exclusions of this policy.

  • Intentional/self-inflicted injuries
  • Rehabilitation, rest cure, and respite care
  • Dietary Supplements and substances purchased without a prescription.
  • Any claim related to COVID-19 where it has been diagnosed before the start date of the policy.
  • Any medical expenses incurred on OPD treatment and daycare procedures.
  • Diagnostic tests or treatments performed outside the limits of India.
  • It does not cover the hospitals which are not authorized by the Government and conducting the COVID-19 test.
  • Every coverage under this plan ceases if the policyholder moves to another country without taking consent from the Government of India.

Claim Process of Corona Kavach Plan

There are two options available for processing claims: Cashless claims and Reimbursement claims.

Cashless claims do not require you to pay single money from your pocket when you are admitted to a network hospital at the time of a medical emergency. After submitting your pre-authorization form and other related documents, you are eligible for a cashless claim.

When you are hospitalized in a non-network hospital that is not enlisted with your insurer, then the patient is required to pay all the medical bills, but after informing the insurer and submitting all the required documents, the insurer refunds all the money in your respective bank account.

For processing smooth and hassle-free claim:

  • Call on their toll-free number 1800 3009 that is also provided on your health card.
  • Submit all the required documentation to the Reliance Care Portal i.e., R-Care.
  • In the case of Network hospitals - R-CARE will arrange a claim process for a cashless facility.
  • In the case of a non-network hospital - A reimbursement claim is done.

Claim Payment

The payment is made in Indian Rupees and in India only.

The payable amount in terms of base and optional covers are restricted to 100% of the sum insured during a policy tenure.

How To Buy Corona Kavach Insurance?

You can call on their toll-free number.

Contact Number: +91 22 48903009

WhatsApp Number: 7400422200

Email: rgicl[dot]services[at]relianceada[dot]com

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Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (17 Total Rating)

May 10, 2021

Roopal Ganguly

Jaipur

I bought this policy in times of pandemic and it is a must-have policy. Services are really very good and I am satisfied with this company. The claim ratio is also good.

May 6, 2021

Rishabh Kalra

Indore

Hi, I am Rishabh. I took this policy a year ago. The claim settlement of this company is good. You can go for this company.

May 4, 2021

Kanchi paul

Lukhnow

One day when i was watching TV i saw add of reliance health. I called them and the agents are so helpful. They resolved my query and i bought a plan from.

May 3, 2021

Kishan lal

Mumbai

I bought this policy because one of my friend suggested me. I am very thankful to PolicyX for guiding me properly and the customer care people are very helpful.

April 30, 2021

Kanha

Mumbai

Claim settlement is very quick and smooth. Company is also good and will tell my relatives and friends to buy

Last updated on 11-05-2021

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