Bharti AXA Corona Kavach Policy

Bharti AXA Health Insurance Corona Kavach policy is a standard coronavirus health insurance policy that covers any medical expenses resulting from the positive diagnosis of COVID-19. The treatment of COVID-19 may require substantial medical assistance that may get extremely costly. The Bharti AXA Corona Kavach policy ensures that the COVID-19 treatment cost does not drain the insured financially & helps to get quality treatment. The corona kavach policy coverage & benefits are as per the guidelines issued by the IRDAI, which also covers the cost of masks, PPE kits, etc. 

Key Features and Benefits of Bharti AXA Health Insurance Corona Kavach Policy 

Following are the key features and benefits of Bharti AXA Health Insurance Corona Kavach policy:

  • Wide Range of Coverage- It provides a wide range of coverage, including the cost of hospitalization, home treatment and support items, such as PPE kits, masks, etc.
  • Flexible Sum Insured Options - It offers a sum insured amount ranging from as low as Rs 50,000 to up to Rs 5 lakh in multiples of Rs 50,000.
  • Coverage for All - It provides coverage to individuals and families as the sum insured is available on an individual and floater basis.
  • Network Hospitals - The insurer comes with over 4,500 network hospitals where cashless treatment can be availed. The insured can check the Bharti AXA Corona Kavach hospital list by getting in touch with the insurer.
  • Quick Reimbursement - It offers quick reimbursement of hospitalization & non-hospitalization claims within 30 days.
  • Premium Savings - Bharti AXA Health Insurance Company offers a 5 % savings on premium if the insured is a health care worker.

Eligibility Criteria 

Take a look at the eligibility criteria for Bharti AXA Health Insurance Corona Kavach policy: 

  • Policy Coverage - Individual/ Floater basis
  • Age Restriction for Adults - 18 to 65 years
  • Age Restriction for Dependent Children - 1 day to 25 years
  • People Covered Under the Floater Plan - Legally wedded spouse, parents, dependent children and parents-in-law
  • Sum Insured - Rs 50,000 to Rs 5 lakh
  • Policy Term - 5 months, 6.5 months and 9.5 months
  • Waiting Period - First 15 days from the policy start date

Inclusions of Bharti AXA Health Insurance Corona Kavach Policy 

A Bharti AXA Health Insurance Corona Kavach policy provides coverage for the following: 

COVID Hospitalization Expenses:

  • It covers in-patient hospitalization expenses incurred for the treatment of COVID-19.
  • It pays for the cost of items, such as PPE kits, ventilator, masks, gloves, etc.
  • This cover can be availed only if the insured is hospitalized for at least 24 consecutive hours.

Ambulance Charges:

  • It covers the expenses incurred on road ambulance service for up to Rs 2000 per hospitalization.

Home Care Treatment Expenses:

  • It covers the cost of receiving COVID-19 treatment at home for up to a maximum of 14 days.
  • It includes the cost of diagnostic tests, medicines, nursing charges, oxygen cylinder, oximeter, etc.
  • This cover can be availed only if the COVID-19 home treatment has been advised by a doctor.

Pre & Post Hospitalization:

  • It covers medical expenses incurred for up to 15 days before hospitalization or home care treatment for COVID-19.
  • It covers any medical expenses incurred for up to 30 days after getting discharged from hospital or home care treatment.

AYUSH Treatment:

  • It covers any medical expenses incurred on the COVID-19 treatment through medicines under Ayurveda, Yoga, Unani, Siddha, Homeopathy and Naturopathy.
  • The diagnostic test for COVID-19 should be conducted by a government-authorized diagnostic center.

Hospital Daily Cash:

  • This optional cover provides a daily allowance of 0.5 per cent of the sum insured for each day of hospitalization.
  • It is available for a maximum of 15 days of hospitalization.

Exclusions of Bharti AXA Health Insurance Corona Kavach Policy 

Here are the exclusions under Bharti AXA Health Insurance Corona Kavach policy:

  • Cost of hospitalization for evaluation or diagnostic purposes
  • Expenses incurred on dietary supplements available without a doctor’s prescription
  • Cost of diagnostic tests that are not related to the treatment of COVID-19
  • Medical expenses incurred primarily to ensure bed rest or rehabilitation
  • Any expenses incurred on unproven treatment of COVID-19
  • Cost of diagnostic tests conducted at a non-government authorized diagnostic test
  • Expenses incurred on daycare or OPD treatment
  • Any COVID-19 treatment expenses incurred outside India

Bharti AXA Health Insurance Corona Kavach Policy Claim Process

Take a look at the claim process for Bharti AXA Health Insurance Corona Kavach policy below: 

Cashless Claim:

  • Get admitted for COVID-19 treatment at a network hospital of Bharti AXA Health Insurance Company
  • Send the filled in cashless request form, available at the hospital, to the insurer
  • After verification, the insurer will send a pre-authorization letter to the hospital
  • At the time of discharge, sign the discharge papers and pay for any inadmissible expenses

Reimbursement Claim:

  • Notify the insurer about your planned hospitalization at least 48 hours before getting admitted and about emergency hospitalization & home care treatment within 24 hours
  • Send the required documents to the insurer within 30 days of getting discharged in case of hospitalization/ pre-hospitalization/ home care treatment and within 15 days of completing post-hospitalization treatment
  • The insurer will inform about accepting or rejecting the claim

Documents to Submit for Reimbursement Claim:

COVID-19 Hospitalization Claim

Home Care Treatment Claim

l Duly signed Bharti AXA Corona Kavach claim form

l Copy of patient’s passport or photo ID

l Test reports, including reports for COVID-19 test

l Doctor’s prescription suggesting hospitalization

l OT notes or surgeon’s certificate, if any

l Invoice or sticker of implants, if any

l Original hospital bill with the item-wise break-up

l Receipts of bill payment

l Discharge summary with patient’s medical history

l Policyholder’s NEFT details

l KYC details for claims above Rs 1 lakh

l Legal heir/ succession certificate

l Duly signed Bharti AXA Corona Kavach claim form

l Copy of patient’s passport or photo ID

l Doctor’s prescription suggesting hospitalization and home treatment

l Discharge certificate with home treatment start and completion date

l Patient’s daily monitoring chart

Bharti AXA Health Insurance Corona Kavach Policy FAQs

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