Corona Kavach Policy is designed to cover COVID-19 related hospitalization medical expenses as per the Insurance Regulatory and Development Authority of India (IRDAI) recommendation.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
A Corona Kavach Policy is an indemnity health insurance policy specially designed to cover the hospitalisation & medical expenses arising out of Covid-19 treatment. This policy covered pre-post hospitalisation as well as domiciliary expenses, home care treatment expenses and AYUSH treatment incurred by the policyholder in case anyone is tested positive for the Covid-19 disease.
A Corona Kavach Policy covers the policyholder for any comorbid medical conditions due to coronavirus during the hospitalization period.
Amidst multiple measures and efforts taken by the Indian government, the insurance industry has also come up with various coronavirus specific a basic & standard health insurance plans to cover the hospitalisation cost related to the treatment of COVID-19.
Let's consider the below table to understand the coverage offered under Corona Kavach family health insurance policy for COVID-19 as per the IRDAI guidelines:
Policy Type | Family Floater |
Sum Insured | Rs 50,000- Rs 5,00,000 lakh |
Policy Tenure | 3 ½ months, 6 ½ months, and 9 ½ months |
Eligibility |
Minimum: 18 years Maximum: 65 years |
Waiting Period | 15 days from the date of the policy comes into effect |
Mode of Premium | Single |
Policy Benefits | Based on hospitalisation |
Corona Kavach Policy for COVID-19 comes with certain features and benefits which are mentioned below::
Corona Kavach is being offered by all General & Standalone health insurance companies in India. Below is the mentioned Corona Kavach Premium Chart:
Corona Kavach Health Insurers |
Members Covered |
Sum Insured (in Rs) |
Age Criteria ( in year) |
Premium (Rs) |
Aditya Birla Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Bajaj Allianz Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 745-Rs 3378 |
Bharti AXA Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Care Corona Kavach Policy (Formerly known as Religare Health Insurance) |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
Proposer-18 years & above Individual- 5 years |
N/A |
Chola MS Corona Kavach Policy |
Individual/Family Floater |
N/A |
N/A |
N/A |
Digit Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Edelweiss Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 459- Rs 7414 |
Future Generali Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 225-Rs 3930 |
IFFCO Tokio Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 136-Rs 4849 |
Kotak Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Liberty Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Niva Bupa (Formerly known as Max Bupa) Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 1039 onwards |
Manipal Cigna Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
Adult-18-65 years Children- Day 1 – 25 years |
N/A |
National Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 155-Rs 8900 |
New India Assurance Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 585- Rs 10078 |
Oriental Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 404- Rs 2223 |
Raheja QBE Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 225 onwards |
Royal Sundaram Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 950- Rs 18723 |
Reliance Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Star Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 350- Rs 3499 |
SBI Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 147- Rs 4848 |
Tata AIG Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
United India Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
Rs 177- Rs 7,750 |
Universal Sompo Corona Kavach Policy |
Individual/Family Floater |
Rs 50,000- Rs 5 lakh |
18-65 years |
N/A |
Disclaimer-The above table is for reference purpose only, the premium may be subjected to changes as per the policy term, age of the insured person, and the sum insured. Please read policy wordings carefully
Note- The premium varies based on the sum insured and the number of member insured
Below are the mentioned list of inclusions comes under this Corona Kavach Policy:
Though the policy comes with comprehensive coverage, certain things are still not feasible to cover:
*This is not the comprehensive list. The list of exclusion may vary or extensive from insurer to insurer.
The insured person can cancel the Corona Kavach Covid-19 Policy on the grounds of not meeting the specific requirements or unsatisfactory in terms of coverage, within 15 days from purchasing it. The premiums will be adjusted as per the prevailing norms of IRDAI. With this, IRDAI attempts to make this a flexible policy for the users.
On the other hand, the insurer has every right to cancel the policy anytime on grounds of misleading, non-disclosure of health-related fats or medical history, act of fraud while claiming the policy by presenting false documents etc. A 7-days written notice is given. However, the insurer will not refund a single penny in case of misrepresentation or fraud.
*Every insurer may come with various terms when it comes to policy cancellation. Kindly refer to the policy documents in this regard.
The claim process of the Corona Kavach Policy is as simple as a regular health insurance policy with no such difference. The policy can be claimed either for cashless or for reimbursement benefit. The claim steps are mentioned below:
Buying Corona Kavach Policy online is easy. All you have to do is to visit the official website of Policybazaar. Here are the steps of buying this policy at Policybazaar.com:
Once the payment is done, an acknowledgment SMS will be sent to your registered mobile number and the soft copy of the policy will be sent to the registered email id. The same will be sent to the mailing address as well.
To acknowledge the contribution of the healthcare sector in the fight against the Covid-19 pandemic, the insurers will offer a 5% discount on ‘Corona Kavach’ policy premium to all the healthcare workers including doctors, and nurses, as per the recent guidelines issued by the Regulator. All the eligible individuals can avail of the discount at the time of policy purchase. Read more about Corona Rakshak policy here.