Aditya Birla Corona Rakshak Policy

Corona Rakshak Policy is a Covid-19 benefit-based health insurance plan that Aditya Birla Health Insurance Co. Ltd provides as per the IRDAI guidelines. This Coronavirus health insurance plan is exclusively designed and provides lump sum payment if the policyholder is diagnosed COVID positive. The policy helps in dealing with the ongoing pandemic and availing treatment without any financial pressure that too in some of the best hospitals. 

Let us try to understand how you can benefit financially and medically from Aditya Birla Corona Rakshak Policy:

Aditya Birla Corona Rakshak Policy Eligibility Criteria

The eligibility criteria to buy this Corona Rakshak policy are given below:

Criteria

Specifications

Minimum Entry Age

18 years

Maximum Entry Age

65 years

Hospitalization

Min. 72 hours 

Waiting Period

  1. Days

Renewal

N/A

Payment

Lumpsum  ( 100% of the sum insured)

Key Features and Benefits of Aditya Birla Corona Rakshak Policy

The major benefits of the Aditya Birla Corona Rakshak policy are given below:

  • Sum Insured- Minimum  is Rs 50,000 and maximum is Rs 2.5 lakh
  • Policy Tenure- The policy duration options are 105 days, 195 days, and 285 days
  • Policy Type- It is a benefit based plan, the sum insured is paid in Lumpsum upon hospitalization
  • Consumable Items- PPE Kits, oxygen, ventilators cost are covered
  • Pre-medical Screening- The policyholder does not need to undergo any medical screening before buying the policy
  • Coverage- The sum insured is available on an individual basis

Aditya Birla Corona Rakshak Policy Coverage

This Corona Rakshak Policy provides the policyholder a Lumpsum payment of the sum insured once he/she is diagnosed as COVID-19 positive during the policy term. Here is what you can avail the sum insured for:

  • Hospitalization Expenses: Aditya Birla Corona Rakshak policy covers room rent charges, nursing charges, ventilator charges, boarding charges, cost of PPE kits, masks, gloves, oxygen, and diagnostic tests
  • Sum Insured: Rs 50,000, Rs 1 Lakh, Rs 1.5 Lakh, Rs 2 Lakh and Rs 2.5 Lakh
  • Home Treatment Cover: Home treatment expenses up to 14 days are also covered
  • ICU Cover: The cost of ICU/ICCU expenses is also included
  • AYUSH Cover: The sum insured can also be used for COVID-19 AYUSH treatment expenses
  • Pre and Post Hospitalization Cover: Under Corona Rakshak policy, the medical expenses incurred 15 days before hospitalization and 30 days after discharge are also covered, including diagnostic charges. 
  • Ambulance Cover: The coverage benefits also include road ambulance charges for COVID-19

Optional Cover:

To enhance the Aditya Birla Corona Rakshak policy benefits you can include an optional Daily Cash benefit under which the insurer provides 0.5% of the sum insured daily for a maximum of 15 days of hospitalization.

What’s not covered under Aditya Birla Corona Rakshak Policy?

Aditya Birla Corona Rakshak policy does not accept claims under the following situations:

  • Claims filed based on diagnostic reports from unauthorized testing Centres
  • Renewals and migration are not permissible
  • Diagnostic tests or treatment taken overseas 
  • Travel history to the restricted nations
  • Non-COVID treatment expenses

For more details regarding this plan, you can write to us at This email address is being protected from spambots. You need JavaScript enabled to view it. or speak to our experts at 1800-208-8787

FAQs

  • Q1. Should I buy Aditya Birla Corona Rakshak Policy? Is it good?

    It is useful to buy a Corona Rakshak Policy for individuals who do not have any health insurance policy currently but want to get one during the ongoing COVID-19 pandemic. And if your current health plan does not offer insufficient coverage, and you want to cover the cost of COVID hospitalization including ventilators, oxygen, oximeters, PPE kits, etc.

  • Q2. What about Corona Rakshak Policy Cancellation?

    The insurance company can cancel or terminate your policy if it finds any fraudulent act, misrepresentation, concealing of information. Usually, a 7days notice is given and in case of misleading information or misrepresentation, you do not get any refund of the premium.

  • Q3. How is the premium paid for the Aditya Birla Corona Rakshak policy?

     The premium for the Aditya Birla Corona Rakshak policy is paid one time i.e. single premium payment.

  • Q4. When can I file a claim for the Aditya Birla Corona Rakshak policy?

    You can file claim for Aditya Birla Corona Rakshak policy after 72-hours of COVID hospitalization.

  • Q5. What is the maximum coverage amount under the Aditya Birla Corona Rakshak policy?

    The maximum coverage amount under Aditya Birla Corona Rakshak policy is Rs 2.5 lakh.

  • Q6. Do I have to wait before claiming for Aditya Birla Corona Rakshak policy?

    After 15 days of the policy purchase, you can file a claim for this Corona Rakshak policy, provided the hospitalization is of more than 3 days. You get 100% Lumpsum of the sum insured amount that you have opted for.

  • Q7. Can I buy the Aditya Birla Corona Rakshak plan from Policybazaar?

    Yes, you can buy the Aditya Birla Corona Rakshak plan from Policybazaar. You can compare the plans online and can write to us at This email address is being protected from spambots. You need JavaScript enabled to view it. or speak to our experts at 1800-208-8787.

Written By: PolicyBazaar

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