ManipalCigna Corona Kavach Policy

ManipalCigna Corona Kavach Policy is made available by ManipalCigna Health Insurance Company Ltd. based on IRDAI guidelines. This policy covers all expenses related to the COVID hospitalization and pre and post-hospitalization expenses. The coverage is also extended to the insured's home care treatment, road ambulance expenses, and AYUSH treatment. The policy also comes with an option for a Hospital Daily Cash benefit. 

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ManipalCigna Corona Kavach Policy

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    ManipalCigna Corona Kavach Policy: Key Highlights

    Sum Insured Up to Rs 5 lakh
    Renewal Not Applicable
    Worldwide Coverage Not Applicable. Treatment taken in India are only covered
    Tenure 105 days, 195 days, and 285 days
    Savings Available for health care workers

    *All savings offered by the insurer are as per the IRDAI approval, standard terms & conditions applied

    Coverage Offered

    Under ManipalCigna Corona Kavach Health Insurance, one can opt for the Individual or Family Floater option with Sum Insured options of up to Rs 5 lakh. The plan offers below mentioned basic coverage:

    • COVID Hospitalization Cover: This covers up to the Sum Insured from Rs 50,000 to Rs 5 lakh.
    • Pre-hospitalization Cover: A member can claim this policy for 15 days before the date of hospitalization or home care treatment.
    • Post-hospitalization Cover: A member can claim this policy after completing hospitalization or home care treatment, 30 days from discharge.
    • AYUSH Treatment: ManipalCigna Corona Kavach Health Insurance, if tested COVID positive, covers medical expenses starting from inpatient charges to discharge under Ayurveda, Unani, Siddha, and Homeopathy based on the Sum Insured.
    • Home Care Treatment Charges: If the Corona positive patient undergoes treatment under the quarantine of 14 days at home based on the Government diagnostic center's report, they can claim up to Sum Insured.

    Inclusions of the Plan

    ManipalCigna Corona Kavach Health Insurance policyholders can benefit from first-rate treatment from any registered hospital in India for Coronavirus. The plan safeguards hospital to home care treatment up to the sum insured.  Added to the fundamental treatment are some additional advantages of the online ManipalCigna Corona Kavach Health Insurance. They are:

    • Daily Hospital Cash benefit available as an option where every insured can avail of 5% of sum insured amount each day up to 15 days in the hospital during the policy period.
    • Policy members can avail of Rs 2, 000 per hospitalization for ambulance charges.

    Exclusions of the Plan

    ManipalCigna Corona Kavach Insurance Policy has the following exclusions:

    • No coverage will be provided if the insured person travels to any country for which the Indian Government has imposed travel restrictions.
    • There is no diagnosis and treatment outside the geographical limits of India.
    • Coverage is not applicable if declared COVID POSITIVE before the policy start date.
    • This policy has no leniency period.
    • There are no renewal, portability, or migration terms in this policy.

    Features and Benefits of the ManipalCigna Corona Kavach Health Insurance

    We can find below the features and benefits of buying ManipalCigna Corona Kavach Health Insurance:

    • Affordable coverage all over India
    • 5% savings on premium extends to health care workers
    • The insured has an option to choose the daily cash benefits.
    • No Pre-policy medical check-up is required.
    • This is a single premium policy.
    • Tax benefits available under Sec 80D of the Income Tax Act

    Eligibility Criteria

    The minimum eligibility conditions to buy this plan are:    

    Type Individual or Family Floater
    Minimum Entry Age 1 day for a child, 18 years for an adult
    Maximum Entry Age 25 years / 65 years
    Number of people covered

    Individual policy: Self, legal Spouse, parents, dependent children, and parents-in-law.

    Family floater: 2 adults and 3 children in a single policy( Self, legal spouse, dependent children up to the age of 25 years or parents/parents-in-law )

    Residential Status Only citizens of India, permanent residents in India.

    Cancellation Terms of the Policy

    The Insurance Company can cancel the policy at any time on the grounds of misrepresentation, fraud and non-disclosure of facts by the policyholder by giving 7 days' written notice.

    Freelook period will not be applicable under this policy as it is a short duration policy.


    • Q.What are the terms available under this policy?

      Ans:ManipalCigna Corona Kavach Health Insurance is available for 105 days, 195 days, and 285 days. The policy cannot be renewed as per the terms of the contract.
    • Q.What is the time limit one can stay in the hospital?

      Ans:In case tested COVID positive, the patient can stay at the hospital till he recovers. There is no restriction on the number of days. The policy coverage is available up to a maximum for the Sum Insured with the ManipalCigna Corona Kavach Insurance Policy.
    • Q.Is OPD expense covered under this policy?

      Ans: It will not cover any expenses incurred on an OPD basis under this ManipalCigna Corona Kavach Insurance Policy. Only the treatment done by a registered medical practitioner in the pre-hospitalization or the patient's post-hospitalization period will be covered.
    • Q.Does this policy cover the Quarantine Period?

      Ans:This policy covers only the home care treatments on the advice of a medical practitioner. This facility designated by the Government to treat Covid positive insured person can cover under the ManipalCigna Corona Kavach Health Insurance.
    • Q.How can one buy this policy?

      Ans: Interested candidates can call the Insurer's helpline number or walk into a nearby insurer branch for insurance advisor assistance.

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