New India Assurance Corona Kavach Policy

The need of the hour amid the unprecedented pandemic is dedicated to health insurance. To meet this emergent need, New India Assurance Health Insurance has designed a plan titled New India Assurance Corona Kavach Policy to provide the much-needed protective umbrella for the COVID-19 infected. New India Assurance Corona Kavach Policy Insurance Policy covers incurred medical expenses for hospitalization and home treatment on the advice of a registered Medical Practitioner. The policy has been conceived with short policy terms to meet the emergency needs of the infected.

Read More

New India Assurance Corona Kavach Policy

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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
Close
Back
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

    New India Assurance Corona Kavach Policy: Key Highlights

    Coverage Type

    Individual/ Floater

    Sum Insured

    From Rs. 50 thousand to Rs. 5 lakh and in multiples of Rs. 50 thousand

    Tenure

    3 and a half months, 6 and a half months, and 9 and a half months

    Optional Cover

    Hospital cash of 0.5% maximum for 15 days. -15% loading on the premium.

    Alternative Treatment

    AYUSH Treatment with no sub-limits.

    Waiting Period

    15 days

    Renewability

    Lifelong

    Eligibility Criteria

    Type

    Individual and Family Floater

    Minimum Entry Age

    1 day

    Maximum Entry Age

    65 years

    The Number of people covered:

    Individual: Maximum 10 members.

    Floater: Minimum 2 members and a maximum of 10 members.

    Residential Status

    Indian citizens and Regular Residents

    Coverage Offered

    The cover in the New India Assurance Corona Kavach Policy Health Insurance is designed to meet the unforeseen medical expenses related to COVID-19 infection upon the Corona-virus's positive diagnosis. The primary coverage of the policy is:

    • In-patient Treatment: The cover gets triggered for overnight hospital stay without capping up the room rents to the Sum Insured.
    • Pre and Post Hospitalization Expenses: Indemnity is for 15 days before admission in a hospital and 30 days after discharge.
    • Home Care Treatment: Expenses are covered for 14 days per incident.
    • Alternative Treatment: The insured is free to undergo AYUSH Treatment up to the Sum Insured.

    Inclusions of the Plan

    • Ambulance Charges: Emergency evacuation cover is limited to Rs.2,000 per hospitalization.
    • ComorbidAilments Treatment: The policy also covers treatment of the following comorbidities. However, 30% loading applies to the applicants with comorbidities.
    • Diabetes
    • Hypertension
    • Respiratory Diseases
    • Cancer
    • HIV
    • Lung Fibrosis
    • Cardiac Ailments
    • Auto-Immune Diseases
    • Optional Cover: Hospital cash up to 0.5% of the Sum Insured for a maximum of 15 days.

    Exclusions of the Plan

    • Waiting Period: The claim related to COVID-19 treatment shall be accepted after the expiry of 15 days from the policy inception date.
    • Other Exclusions:
    • Claim for Corona treatment with a positive diagnosis before the policy commencement date is not accepted.
    • A positive diagnosis for Corona infection from other than a Government-authorized center shall not be admitted.
    • Diagnosis of ailment other than Corona is not covered under this policy.
    • Indemnity is not available for day-care and OPD expenses.
    • There is no cover for treatment outside the Indian geographical boundary.
    • The cover is not available for any unproven treatment and does not satisfy scientific scrutiny.
    • Hospitalization exclusively for investigation, rest, and recovery is not covered under the policy.

    Features & Benefits of the buy New India Assurance Corona Kavach Policy

    It makes sense to assess the primary features and various advantages to buy New India Assurance Corona Kavach Policy.

    • Policy Term: The policy is issued for short terms of 105 days (3.5 months), 195 days (6.5 months), and 285 days (9.5 months). The policy is not open for renewal or facilities like the free-look period.
    • Sum Insured: The range on offer is Rs. 50 thousand to Rs.5 Lakhs, in multiples of Rs.50 thousand.
    • Pre-Policy Medical Check-up: To buy New India Assurance Health Insurance for COVID-19, one does not require any medical test. 
    • Travel Restrictions: The policy cover will stand withdrawn if the insured travel to countries where the Indian Government has imposed restrictions for Corona infection.
    • Tax Benefit: The premium for New India Assurance Corona Kavach Policy Health Insurance is entitled to tax deduction under Section 80D of the Income Tax Act, 1961.   

    Cancellation Terms of the Policy

    The insurer may cancel the policy after serving a seven-day written notice on the grounds of fraud, misrepresentation, suppression of material fact, or non-cooperation.  No refund will be made for cancellation on the stated grounds.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Can You Get Maternity Insurance If Already Pregnant?

    26 Sep 2024

    Pregnancy is one of the most beautiful phases of a woman’s life
    Read more
    Moratorium Period in Health Insurance

    12 Aug 2024

    Getting a health insurance claim accepted for pre-existing
    Read more
    Is Dengue Covered by SBI Health Insurance?

    30 Jul 2024

    Dengue, a common vector-borne disease, causes high fever, severe
    Read more
    Is Dengue Covered by Reliance Health Insurance?

    30 Jul 2024

    Dengue fever can negatively impact you physically and financially
    Read more
    Modern Treatments in Health Insurance

    29 Jul 2024

    Modern treatments have transformed the healthcare industry with
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
    Read more
    10 New IRDAI Health Insurance Guidelines in 2024
    Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
    Read more
    Zero Waiting Period in Health Insurance Plans
    Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
    Read more
    Best Health Insurance Plans for Senior Citizens
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL