Kotak Mahindra Corona Kavach Policy

Kotak Mahindra General insurance company is providing Corona Kavach health insurance policy. Kotak Mahindra Corona Kavach policy will provide cover for the expenses incurred for the medical services. It is an indemnity-based health insurance policy that will provide cover for hospitalization, home care treatment, AYUSH treatment, pre and post-hospitalization expenses etc.

Read More

Kotak Mahindra Corona Kavach Policy

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Eligibility Criteria

    The eligibility criteria for the Kotak Mahindra Corona Kavach policyholder are given below.

    1. The minimum and maximum entry age for the policyholder is 18 years up to 65 years.

    2. The waiting period in Kotak Mahindra corona kavach policy is of 15 days to avail of the benefits of the policy.

    3. Kotak Mahindra Corona Kavach policy can be availed by self as well as for the following family members:

    • Wife
    • Parents/Parents-in-laws
    • Children (Natural or Adopted) Age should be between Day 1 to 25 years. If the child is above 18 years of age and financially independent then he/she will not be covered under the policy.

    4. The policy period is as follows: Three and a half months (3 and ½ months), Six and a half months (6 and ½ months), Nine and a half months (9 and ½ months) including 15 days of waiting period.

    5. Sub limits: 1. Hospital daily cash provided at 0.5% of the sum insured per day subject to a maximum of 15 days in the policy period for each insured person.

    6. Home care treatment is provided for maximum up to 14 days per incident.

    Sum Insured

    The sum insured amount offered by the Kotak Mahindra Corona Kavach policy is Rs. 50,000 to Rs. 5,00,000. In an individual policy, only one person can use the whole sum insured amount. In family floater plan the sum insured amount has to be divided among the family members.

    Inclusion in Kotak Mahindra Corona Kavach

    The coverage provided by the Kotak Mahindra Corona Kavach health insurance policy for the insured is as follows:

    • The policy will provide cover for Room rent, boarding of the patient, Nursing charges.
    • Intensive car unit (ICU) and Intensive Cardiac Care Unit (ICCU) charges will be covered.
    • Cover for Doctor, Surgeon, Anesthesia, Consultation charges as well as specialists fees paid directly or to the hospital will be covered.
    • Operation theatre charges, Surgical appliances, ventilator, medicine and drug expenses, diagnostic cost, PPE kit cost, gloves as well as mask are covered under the policy.
    • Road ambulance charges for up to Rs. 2000 per hospitalization are covered under the policy.

    Optional Cover

    The optional policy benefits are mentioned below:

    • Hospital daily cash that is 0.5% of total sum insured will be paid per day to the insured each 24 hours in case of continuous hospitalization for the treatment of corona.
    • The benefits will be payable for a maximum upto 15 days during the policy tenure in respect of each insured person.

    Exclusions in Kotak Mahindra Corona Kavach

    Kotak Mahindra Corona Kavach health insurance policy will not provide cover for the following:

    • Initial Waiting Period: If the policyholder raises a claim due to Covid-19 within the 15 days from the date of commencement of the policy will not be admissible.
    • Investigation & Evaluation: Any expenses incurred related to any admission for diagnostics and evaluation purposes will not be covered.
    • Unauthorized testing center: If the policyholder get any testing done at the diagnostic center that are not authorized by the government of India will not be covered under the policy.
    • Rest care, Rehabilitation and Respite care: The policy will not provide cover for any expenses incurred due to enforced bed rest and not for receiving treatment.

    Claim Procedure

    Procedure for cashless claim in Kotak Mahindra Corona Kavach policy:

    • The policyholder has to inform the insurance company 48 hours prior the admission to a hospital.
    • A complete and properly filled cashless request form should be sent to the company for authorization.
    • When the company will receive the cashless request form and other related medical information from the policyholder will issue a pre-authorised letter to the hospital after verification.
    • The discharge papers have to be signed by the insured person, pay for non-medical and inadmissible expenses.
    • The company has the right to deny pre-authorization in case the insured person is not able to provide relevant medical details.
    • In case the cashless claim is denied, as per the doctor’s advice the insured person may obtain the treatment and submit the claiming documents of the company for reimbursement.


    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Congenital Diseases in India?

    24 Jan 2022

    The only way to avoid catching a disease is to lead a healthy...
    Read more
    Is Crohn’s Disease Covered by Health Insurance Plans in India?

    14 Jan 2022

    A healthy digestive system is a sign of a healthy person. To keep...
    Read more
    Health Insurance Online v/s Offline: Which is Better?

    04 Jan 2022

    While buying a health insurance policy, you have the option to...
    Read more
    List of Diseases Covered by Max Bupa Health Insurance

    23 Dec 2021

    The COVID-19 pandemic has taught everyone to take their health...
    Read more
     List of Diseases Covered by Aditya Birla Health Insurance

    21 Dec 2021

    We are all surrounded by endless possibilities of contracting a...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Read more
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer, the speculation continues regarding the difference between the...
    Read more
    How Senior Citizens can save Tax with Medical Bills u/s 80 D?
    Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.