Corona Kavach Plan

Overview

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.

Inclusions

Inpatient Treatment

• 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

• Medical expenses for COVID-19 treatment received at home, applicable for a maximum of 14 days during the policy tenure.
• 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.