Corona Kavach Policy

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.

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      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.

      why buy corona kavach policy why buy corona kavach policy

      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:

      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

      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 31st March 2021

      Corona Kavach Policy Premium Comparison Chart

      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

      See More Plans

      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

      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.

      How to Cancel Corona Kavach Policy?

      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.


      How to Claim Corona Kavach Policy?

      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:

      • The first step is to inform the insurer when a claim arises. The claim initiation window depends on the type of hospitalisation which has the be maintained in case of panned and emergency hospitalisation for 72 hours and 24 hours respectively.
      • In case of cashless claim, a pre-authorisation letter has to be submitted seeking cashless claim permission from the insurer. On the other hand, in case of reimbursement, the hospital bills are paid by the insured on his/her own initially and register a claim later.
      • On approval on the claim request, the insurer settles the hospital dues directly or reimburses the expenses up to an admissible amount.

      How to Buy Corona Kavach Policy Online?

      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:

      • Visit Policybazaar.com
      • Go to health insurance
      • Explore the plans by providing your basic information such as name, age, contact number, requirement of insurance etc.
      • The calculator will suggest the plans based on your requirement along with their coverage and premiums.
      • Find the one that best suits your requirements, pay the premiums online using a debit/credit card or net banking.

      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.

      FAQs about the Corona Kavach Policy

      Corona Kavach Policy-News

      • Discount on premium in Corona Kavach Health Insurance Policy to Healthcare Workers

        As mandated by the Insurance Regulatory and Development Authority of India (IRDAI), all the 30 health insurance providers and general insurance providers have started offering Corona Kavach policy, which is an indemnity Standard Health Insurance Policy.

        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.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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