Oriental Corona Kavach policy is a standard coronavirus health insurance product that offers coverage on an indemnity basis. The coverage provided under this policy is for both adults and children on a family floater basis. It is also available on the individual sum insured basis. The coverage amount goes up to Rs 5 Lakh for COVID-19 hospitalization expenses, home care treatments, and Ayush treatment.
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Oriental Corona Kavach Policy comes with the following features and coverage benefits:
The coverage benefits under this policy for coronavirus treatment are given in detail below:
Oriental Corona Kavach pays the policyholder where COVID-19 hospitalization is required for at least 24 hours and coverage benefits are given below:
The Company shall cover inpatient care treatment on being diagnosed COVID-19 Positive by a government registered Diagnostic Centre including the treatment expenses for comorbidities and COVID treatment under Yoga, Ayurveda, Unani, Homeopathy, Siddha and Naturopathy systems of medicines during the policy term up to the sum insured limited in an eligible AYUSH Hospital. It will cover the expenses that were covered under COVID hospitalization expenses.
The policy also compensates for home treatment expenses for COVID-19 positive insured person up to a maximum of 14 days provided that:
It covers the following coronavirus related home treatment expenses:
Pre-hospitalization expenses are paid for a period of 15 days and post-hospitalization expenses are paid for a maximum of 30 days after hospital discharge
Oriental Corona Kavach health insurance policy provides the option to avail Daily Hospital cash benefits. The policy covers 0.5% of the Sum Insured amount as daily hospital cash benefit. It is only valid where hospitalization is required for 24 hours and for a maximum of 15 days for every insured member during a policy term.
Oriental Corona Kavach health insurance policy shall not cover claims arising due to the following expenses:
It is quite simple to file a claim for Oriental Corona Kavach policy and the procedure for both cashless and reimbursement claims along with the required documents are given below:
In case of an emergency or planned hospitalization, the process is as follows -
All the documents, medical bills, reports, and cash memos should be provided to the TPA/company within 15 days of discharge from the hospital. The list of documents is as follows -
Ans: It is a family floater policy with minimum eligible age of 18 years for adults and 1 day for children.
Ans: The policy benefits are available only after the completion of 15 days of waiting period from the policy purchase date. You can file COVID-19 treatment claims after the completion of this initial waiting period.
Ans: Yes, it is possible to buy this coronavirus health insurance policy for your parents up to 65 years of age.
Ans: Yes, Oriental Corona Kavach policy covers COVID-19 treatment expenses along with the comorbidities as mentioned at the time of policy purchase.
Ans: The procedure is described below-
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