Corona Kavach Policy

What is Corona Kavach Policy?

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.

Corona Kavach Health Insurance Policy at a Glance

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:

Features & Benefits of Corona Kavach Policy

Corona Kavach Policy for COVID-19 comes with certain features and benefits which are mentioned below::

• Corona Kavach Covid-19 policy covers hospitalization expenses including co-morbidities, room rent, nursing & ICU cost, surgeon’s & doctor’s consultation fees etc
• Insured person need to pay premium amount once at a time while buying the Corona Kavach Policy
• Pre and Post hospitalisation expenses are covered up to a defined period of time
• Someone taking treatment of coronavirus, certain insurers cover treatment expenses up to a period of 14 days
• The policy comes with no capping on the room rent
• AYUSH treatment expenses are covered including Ayurveda, Unani, Siddha, Homeopathy
• Emergency ambulance cover up to a certain limit is covered
• This health insurance plan will be taking care of basic health-related cases of COVID – 19
• This will be a standard policy having common wordings throughout the industry
• This policy has a tenure of 3 ½ months, 6 ½ months, and 9 ½ months, which is 105 days, 195 days, and 285 days respectively
• The validity of these guidelines is 31^st March 2021

What's Covered Under Corona Kavach Health Insurance?

Below are the mentioned list of inclusions comes under this Corona Kavach Policy:

• Covid Hospitalistaion Expense Cover: This policy is an indemnity-based policy that covers the hospitalisation expenses incurred due to coronavirus treatment
• Ambulance Cover: The road ambulance costs are covered while being transferred the patient to a hospital up to Rs 2,000
• Hospital Cash Benefit: This policy offers a daily cash benefit up to 0.5% of the sum insured as Hospital Cash Benefit up to certain days as mentioned in the policy document
• Home Treatment Cover: Depending on the condition of the patient, the policy also covers the treatment availing at home for 14 days. Home care treatment is covered in case the patient is availing coronavirus treatment at home.
• Pre-Hospitalisation Cover: This policy covers the treatment expenses incurred before hospitalisation such as consultation fees tests, check-ups for a period of 15 days.
• Post-Hospitalisation Cover: This policy covers the post hospitalisation expenses incurred up to 30 days from the date of discharge.
• AYUSH Treatment Cover: Corona Kavach policy covers AYUSH treatment expenses as well, including Ayurveda, Unani, Sidha, Homeopathy treatment. However, the treatment has to be taken from an authorized hospital.
• No Deductible: The sum insured can be availed from Rs 50,000 to Rs 5,00,000. However, there are no deductibles.
• ICU Expense Cover: COVID patients most of the time need to be admitted in the ICU. The expenses are undoubtedly at the higher side. No worries, the policy covers that as well.
• No Cap on Room Rent: Some insurers come with no cap on room rent while hospitalised, if opting for a single private room.

What is not Covered in Corona Kavach Health Insurance?

Though the policy comes with comprehensive coverage, certain things are still not feasible to cover:

• Treatment expenses that are not related to coronavirus or current diagnosis and treatment are not covered under Corona Kavach policy.
• Expenses arising out of custodial care at home, bed rest or nursing facility at home etc. are not covered.
• Expenses for buying medicines without a proper prescription or doctor’s advice are not covered, such as dietary supplements or other weight loose programs.
• Claim arising out of any unproven healthcare treatment that lacks sufficient medical documents to support the claim is not considered for availing policy benefits.
• Any claim that is caused due to war, war-like situation, use of nuclear weapon etc. is excluded.
• Expenses incurred for vaccination, preventive treatment, inoculation etc. are not covered.
• Treatment availing outside India is excluded.
• COVID claim before the start of the policy is not covered or any hospitalisation below 24-hours is excluded. If testing is done in an un-authorised hospital, the claim arising out of it will not be entertained.
• The policy doesn’t offer coverage for OPD expenses and daycare procedures, which don’t require the patient to be hospitalized.

*This is not the comprehensive list. The list of exclusion may vary or extensive from insurer to insurer.