The outbreak of COVID-19 in the form of a global pandemic has reinforced the need for an Insurance Policy. With this consideration, the Raheja QBE Health Insurance Company Ltd. has launched the Raheja Corona Kavach Policy under the guidelines of IRDAI. Within a short span of time, the Raheja Corona Kavach Insurance Policy has become one of the most well-liked health insurance policies in the targeted segment. As the name suggests, the Raheja Corona Kavach Policy Health Insurance aims to grant the most efficient insurance coverage against the Coronavirus disease covering hospitalisation and treatment expenses.
Policy Coverage |
Coronavirus Treatment |
Sum Insured |
Rs 50,000 to 5,00,000 |
Policy Tenure |
3 ½ months, 6 ½ months and 9 ½ months |
Pre-exiting Illness |
Not covered |
Pre-policy Medical Test |
Not required up to the age 50 years |
Under Raheja Corona Kavach Policy, an individual can opt for the Individual or Family Floater option with sum insured options of Rs. 50,000 up to 5 lakh.
Raheja Corona Kavach Policy coverage is as follows:
In-patient Treatment Cover -The hospitalization expenses incurred by the COVID Positive insured person would include the following:
Pre-hospitalization Cover- Expenses incurred up to 15 days before hospitalization are covered, including the costs of the diagnostic incurred due to COVID.
Post- hospitalization Cover- Expenses incurred up to 30 days after discharge from the hospital or end of home care treatment are covered up to sum insured.
AYUSH Treatment Cover- Under the AYUSH classification of medicine, expenses incurred for COVID treatment (only in a government-approved health center) are covered.
The inclusive benefits under the Raheja Corona Kavach Policy are mentioned below:
Home Care Treatment Expenses Cover: Expenses incurred up to 14 days on the treatment of COVID at home are covered. In the Home Care benefit, the following expenses would be covered with relation to the treatment of COVID:
The following ailments and conditions would be excluded from the coverage under the Raheja Corona Kavach Policy:
Please refer to the policy document for a complete list of exclusions.
The policy comes with the following features and benefits:
Any India with below eligibility can buy this policy to cover Coronavirus:
Type |
Individual or Family Floater |
Minimum Entry Age |
18 years as a proposer |
Maximum Entry Age |
65 years as a proposer No limit for the proposer if he/she wants to policy for any family member, without covering himself/herself. |
Number of people covered |
On an Individual basis – Sum Insured would apply to each family member On a Floater basis – Sum Insured would apply to the entire family, including
|
Residential Status |
All Citizens & Residents of India |
The insurer can cancel the Raheja Corona Kavach Policy at any time if it comes across any incident of misrepresentation, non-disclosure of important facts, or fraud committed by the life insured. The insurer would give 7 days' written notice in this scenario, and there would be no refunds.
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