Royal Sundaram Corona Kavach Policy

Insurer Highlights

People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans from Royal Sundaram Corona Kavach Policy

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      Royal Sundaram Corona Kavach Policy

      In this time of the pandemic, medical treatment costs are touching the sky and unpredictability is at its peak. So, at this time, it has become essential to prepare oneself and family for any unforeseen situation. One step towards this is opting for a health insurance policy that covers the expenses of Covid related treatment. Keeping this urgent need of the society in mind, the IRDAI introduced a standard Covid insurance policy with the name of Corona Kavach and asked all the insurance providers to incorporate this policy. One such insurer is Royal Sundaram that has launched the Royal Sundaram Corona Kavach policy.

      Read More

      {{CORONA_PLANS_WIDGET}}

      Key Features and Benefits of Royal Sundaram Corona Kavach Policy

      This is a Covid specific health insurance policy that provides coverage for individuals and families both for various treatments related to coronavirus infection. A brief description of this policy is as follows:

      • One can purchase this policy for both individual and family floater basis.
      • According to the regulations of IRDAI, healthcare workers are eligible to get a 5% discount on premiums.
      • The sum insured of this policy starts from Rs. 50,000 and go up to Rs. 5 lakhs.
      • The cashless treatment facility is offered in all the network hospitals of Royal Sundaram.
      • The premium that one pays is eligible for tax benefits u/s 80D of the IT Act.
      • The waiting period for this policy is 15 days. This means if a person is eligible to get Covid treatment expenses only after completing 15 days after policy purchase.

      Eligibility Criteria

      The eligibility criteria for purchasing Royal Sundaram Corona Kavach Policy are:

      • Adults – 18 years to 65 years
      • Children – One day to 25 years (in case of dependent children)
      • Policy type – The policy is available on an individual and family floater basis. In the family floater plan, a maximum of six adults and four children are covered. To cover additional children, a separate or new family floater policy will be needed.
      • Policy Term – 3 ½ months, 6 ½ months, and 9 ½ months.

      Inclusions of Royal Sundaram Corona Kavach Policy

      If the insured is diagnosed positive for coronavirus in a government authorized diagnostic center, the following is provided under the policy:

      Hospitalization and Other Expenses for the Treatment of Covid – 19:

      • Room rent
      • Boarding and nursing expenses
      • Expenses of ICU and ICCU
      • A consultation fee of the surgeon, medical practitioner, anesthetist
      • Expenses of the on-road ambulance to a maximum of Rs. 2000 per hospitalization.

      Homecare Treatment Expenses:

      If the medical practitioner advice Covid patient to stay at home and undergo the treatment there, the policy provides the following coverage:

      • The policyholder is eligible to avail of the services as prescribed by the doctor.
      • Expenses of diagnostic tests undergone at diagnostic centers or homes are taken care of by this policy.
      • Expenses of all the medicines that are prescribed in writing by the doctor.
      • Consultation charges of the doctor are also covered.
      • Nursing charges are also covered if required.
      • The cost of a pulse oximeter, nebulizer, and oxygen cylinder are also covered.

      Pre-Hospitalization Expenses:

      All the medical expenses incurred for 15 days before admitting to the hospital are covered.

      Post-Hospitalization Expenses:

      All the medical expenses incurred for 30 days after getting discharged from the hospital or homecare treatment are covered.

      AYUSH Treatment Expenses:

      The expenses that are incurred during the hospitalization for treating Covid. This also includes the treatment of Comorbid conditions up to the Sum Insured limit in any AYUSH hospital.

      Optional Cover:

      Under optional cover:

      • Hospital Daily Cash: The Royal Sundaram Health Insurance Company pays 0.5% of the sum insured every day for every 24 hours of continuous hospitalization to treat Covid for up to 15 days during the period of the policy concerning every person who is insured.

      Exclusions of Royal Sundaram Corona Kavach Policy

      The company is not liable to make any payment under Corona Kavach policy, concerning any expenses that are incurred concerning or in connection with the following conditions:

      • Evaluation and Investigation Expenses: All the expenses related to any hospitalization before the diagnosis of Covid – 19 are not included.
      • Any diagnostic expenses that are not incidental to or related to the current treatment and diagnosis.
      • All the expenses that are related to any admission basically for enforced bed rest and not for getting treatment. This as well includes:
        • Custodial care either in a nursing facility or at home for personal care like help with day-to-day activities such as dressing, bathing, moving around either through skilled assistant or nurse or some non-skilled person.
        • Any medical services for the people who are critically ill to address any social, physical, spiritual, or emotional needs.
      • Dietary substances and supplements that are purchased without any prescription are not covered.
      • Unproven treatment expenses are also not covered.
      • Any Covid related claim wherein it is diagnosed before the start date of the policy.
      • Any expenses that incur on OPD treatment or daycare treatment.
      • Testing performed at the diagnostic center that is not authorized by the government is not covered under this policy.
      • All covers under this insurance policy get ceased if the policyholder travels to any place or country that is under the restrictions of travel by the Indian government.

      Royal Sundaram Corona Kavach Policy - FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      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

      PMJAY: 10 Major Benefits of Ayushman Bharat Yojana

      Ayushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), was launched by Prime Minister Shri Narendra

      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

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

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