TATA AIG Corona Kavach Policy 

Tata AIG General Insurance has launched the TATA AIG corona kavach policy to make COVID treatment facilitates accessible to all.  The policy covers hospital treatment, ambulance services, cost of consumable items like PPE Kits, ventilators, gloves, masks, etc.  Home treatment, Ayush treatment services can also be claimed.

TATA AIG Corona Kavach Policy- Eligibility Criteria

Here is the eligibility criterion to buy the TATA AIG Corona kavach policy:

  • Age limit for adults: 18 years to 65 years
  • Dependent children: Day 1 to 25 years

People older than 65 years can buy the policy for their dependent family members without getting themselves covered

  • Family members under the family floater plan: Spouse, parents/parents-in-law, and children
  • Waiting Period- 15 days from the policy purchase date
  • Sum Insured-Rs 50,000 - Rs 5 lakh
  • Policy Tenure: 3.5 months, 6.5 months, 9.5 months

Coverage under Tata AIG Corona Kavach Policy

This benefit includes the following:

COVID-19 Hospitalization Cover: The cost of hospitalization on testing positive for COVID-19 in a government-authorized testing Centre is covered. It includes:

  • Room rent, ICU/ICCU expenses, bed charges, and nursing fees
  • Consultation fees for surgeons, specialist doctors, medical practitioners, and anesthetists
  • Costs for blood, surgical appliances, oxygen, ventilator, anesthesia, operation theatre, medicines, and drugs
  • Diagnostics, PPE kits, diagnostic imaging modalities, mask, and gloves
  • COVID health claim is admissible only if the hospitalization is for a minimum of 24-hours

Pre-Hospitalization: Pre-hospitalization and home care treatment expenses incurred 15 days before hospitalization or admission date are compensated.

Post-Hospitalization: Post-hospitalization charges and home care medical expenses for a maximum of 30 days from the hospital discharge date or completion of treatment are paid for.  

Road ambulance: TATA AIG Corona kavach policy also pays for road ambulance services related to COVID-19-related hospitalization. The limit is up to Rs 2000 per hospitalization. It includes transportation from one hospital to another under advice from a medical practitioner.  

Home care treatment Expenses: Treatment taken at home for up to 14 days after a positive COVID-19 diagnosis at a government-authorized diagnostic center. This cover is subject to the following:

  • Doctor’s advice for COVID treatment at home
  • Continuous treatment with daily monitoring by a doctor
  • Maintenance of daily monitoring chart with treatment records that are duly signed by the attending doctor

Coverage includes medical investigations as per treating doctors prescription-related to COVID-19, prescribed medicines, and doctor’s consultations, nursing costs parenteral administration of medicines, oximeters, cost of oxygen cylinders, and the nebulizer.  

AYUSH treatment: Inpatient hospitalization expenses under Yoga, Ayurveda, Unani, Naturopathy, Siddha, and Homeopathy are covered after a positive COVID-19 diagnosis at a government-authorized diagnostic Centre.

Add-on benefits: The coverage can be enhanced with an optional Daily Hospital Cash add-on benefit at a nominal price. You can save money on your day-to-day healthcare spends by getting 0.5% of the sum insured on daily basis for 24-hours of continuous COVID-19 hospitalization and is payable for a maximum of 15 days.

You can avail of both cashless and reimbursement claim benefits with TATA AIG Corona kavach health insurance policy.

What is not covered under TATA AIG Corona Kavach Policy?

  • The policy does not cover expenses incurred only on diagnostics
  • Treatment and diagnosis outside the geographical scope of coverage
  • Any Covid-19 related health claim that was not diagnosed before the policy commencement date
  • The cost of COVID Testing at any of the non-government authorized diagnostic Centers
  • The policy benefits will be ceased if the insured person travels to any other country put under travel restrictions
  • Rehabilitation, rest cure, and respite care

If you want to buy TATA AIG Corona Kavach Policy and want to check the policy premium chart online then you can speak to our health insurance experts at 1800-208-8787.


Written By: PolicyBazaar - Updated: 03 May 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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