Max Bupa corona kavach policy is a coronavirus specific indemnity based medical insurance plan that reimburses the cost of Coronavirus treatment in India. The Policy offers Basic mandatory coverage that is offered on indemnity basis and one optional cover that is offered on benefit Basis. The policyholder needs to pay the premium for optional cover will separately. Being an indemnity insurance policy it pays the claim amount as per the hospital bills, whereas on benefit bases the policyholder get the entire sum insured amount. Check out the details about Max Bupa Corona Kavach Policy, its features, benefits and limitations.
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This policy is designed with unique combination of medical insurance benefits and features to its customers:
Anyone can purchase this policy if they are minimum 18 years old and maximum 65 years old. Even if the proposer is older than 65 years, he/she can buy this coronavirus health insurance policy for their family members, including:
Max Bupa health insurance will cover the hospitalization expenses incurred by the insured person on coronavirus treatment upon being diagnosed coronavirus positive as per the reports given by the diagnostic centre, which is government approved. The inclusions under this policy are given below:
Pre hospitalization Expenses: Pre-hospitalisation medical expenses incurred on COVID treatment 15 days before hospitalisation are covered provided:
Post Hospitalization Expenses: Post-hospitalisation medical expenses incurred on COVID treatment 30 days before hospitalisation are covered provided:
The policy shall not cover the following medical expenses under any circumstances:
Claims are rejected under the following conditions:
The claim procedure and turn-around time for corona kavach policy is given below:
|Type of Claim||Prescribed Time Limit|
|Reimbursement of Pre-hospitalization and hospitalization expenses||Within 30 days of getting discharged from hospital|
|Home Care Treatment reimbursement claim||Within 30 days from completion of home care treatment|
|Post hospitalization expense reimbursement claim||Within 15 days of completion of post hospitalization treatment|
Here is the Claim Process:
To initiate the claim process, the policyholder needs to send a notice to the insurer/TPA as mentioned under:
Ans: Max Bupa Corona Kavach Policy is a relatively affordable health insurance policy that people up to the age of 65 years can buy for self and their immediate family members. COVID-19 is not showing signs of stopping soon and while we continue to fight this pandemic, we also need to ensure medical security. With a Corona Kavach health insurance policy, you can your family can enjoy peace of mind without worrying about expenses related to coronavirus treatment.
Ans: Corona Kavach is a coronavirus health insurance plan that offers a minimum coverage amount of Rs 50,000 and a maximum of Rs 5 Lakh. The coverage is offered on both family floater and individual basis. In a family floater plan the sum insured will apply to all the family members, however, if you buy it on individual basis, the sum insured will apply to every member individually, and the premium will be on a higher side.
Ans: Yes, Max Corona Kavach plan covers pre-existing medical conditions including co-morbidities along with COVID-19 treatment up to the limit of coverage amount.
Ans: If the treating doctor or medical facility suggest coronavirus treatment at home, then Max Bupa corona kavach policy will cover the cost of home care treatment for Coronavirus on positive diagnosis in a diagnostic Centre that is a by the government. Coverage is provided for maximum 14 days subject to policy terms and conditions.
Ans: To get coverage benefits, there are certain guidelines when it comes to availing Ayush treatment cover including Ayurveda, Unani, Homeopathy, Siddha, and Naturopathy. Only the following Ayush hospitals are considered to be eligible for claim:
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