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Reliance Hospi-Care Policy
It's not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents an…
- 150+ listed surgeries
- 140+ daycare procedures
- Daily hospital cash
Reliance Health Insurance
Corona Kavach Plan
The Reliance Corona Kavach plan offers comprehensive coverage for COVI ...Read More
Up to 5 Cr
Sum insured
1
No. of plans
127+
Pan India presence
87.50%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
About Corona Kavach Plan
A quick read on what this Reliance Health Insurance plan covers and why it might be a fit for you.
The Reliance Corona Kavach Plan helps alleviate financial stress during COVID-19 treatment by covering your medical expenses. Specifically designed for COVID-19 patients, the Corona Kavach Insurance Plan protects you and your family from medical and hospitalization expenses related to the virus. It covers pre and post-hospitalization, AYUSH treatment, domiciliary care, and home care treatment expenses. Coverage begins from the date of COVID-19 diagnosis.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Child Age: 1 day to 25 years, Adult Age: 18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹1 L, ₹2 L, ₹2 L, ₹3 L, ₹3 L, ₹4 L, ₹4 L, ₹5 L
Waiting period
15 days
Renewability
Lifelong
Policy term
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- AYUSH treatment cover
- Ambulance charges
- COVID-19 treatment cover
Cons
- OPD charges
- Daycare procedures
- Modern treatment
- Organ donor treatment
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Inpatient Treatment: This plan covers medical expenses incurred during COVID-19 hospitalization, including: Room rent, nursing, and boarding expenses.
- ICU/ICCU charges.
- Road ambulance expenses, up to a maximum of Rs. 2,000 per hospitalization.
- Medical practitioner/doctor fees, consultant fees.
- Operation theatre (OT) charges, anesthesia, surgical appliances, ventilator expenses, PPE kits, masks, gloves, and diagnostic imaging instrument expenses.
- Home Care Treatment: Covers medical expenses for COVID-19 treatment received at home, applicable for a maximum of 14 days during the policy tenure. Includes diagnostic tests performed at home or at diagnostic centers.
- Consultation and nursing charges for medical staff and practitioners.
- Expenses for pulse oximeter, oxygen cylinder, and nebulizer.
- Medicines and drugs prescribed by a doctor.
- AYUSH Treatment: Medical expenses for Ayurveda, Unani, Siddha, and Homeopathy treatments for COVID-19 patients are covered.
- Pre-Hospitalization: Medical expenses incurred up to 15 days before hospitalization are covered.
- Post-Hospitalization: Medical expenses incurred up to 30 days after discharge from the hospital are covered.
- Hospital Daily Cash Benefit: Provides a daily cash benefit for hospitalization lasting 24 hours or more, for a maximum of 15 days.
Exclusions
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- HIV/AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in-vitro fertilization
- Dietary supplements and substances purchased without a prescription
- Claims related to COVID-19 diagnosed before policy commencement
- Medical expenses for OPD treatment and daycare procedures
- Diagnostic tests or treatments performed outside India
- Treatment at unauthorized COVID-19 testing centers
- Rehabilitation, rest cure, and respite care
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: Child Age: 1 day to 25 years
- Adult Age: 18 to 65 years. Sum Insured (SI): 50 Thousand to 5 Lakh. Waiting period: 15 days.
Other features & benefits
- Home care treatment
- In-patient hospitalization
- Pre and post-hospitalization
Corona Kavach Plan: FAQs
The 4 most-asked questions about Corona Kavach Plan, answered.
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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