Corona Kavach Insurance Plan
The global pandemic i.e Coronavirus 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 specified treatment for COVID -19 is available till now, vaccines are there. But still, all the infected patients are moving towards the hospital and the expenses for the COVID treatment are very high. To avoid the financial stress and burden in these unprecedented times, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medical expenses in COVID 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 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 August, 2021
Key Features and Benefits Of Corona Kavach Insurance Plan
Let's understand the key features and benefits of the Corona Kavach Insurance Plan.
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.
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.
AYUSH Treatment
The medical expenses of Ayurveda, Unani, Siddha, and Homeopathy for COVID patients are also covered under this plan.
Pre-Hospitalization
The medical expenses are covered for up to 15 days before the date of hospitalization.
Post-Hospitalization
The medical expenses are covered for up to 30 days after the date of discharge from the hospital.
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 August, 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
Bought the health plan for my parents. now I m assured that their health is not compromised due to money :)