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.

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Aditya Birla Corona Rakshak Policy

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    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:



    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years


    Min. 72 hours 

    Waiting Period

    1. Days




    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 or speak to our experts at 1800-208-8787


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