To battle with the risk of COVID-19, IRDAI has come up with a new policy that covers the pandemic COVID-19. Termed as Corona Rakshak, the policy is designed across all the insurers with common terms and conditions.
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The Reliance Health Corona Rakshak Insurance by Reliance Health Insurance is a COVID cover health insurance plan that provides a lump sum benefit to the insured when diagnosed with COVID-19. This coverage starts from the first day of COVID-19 diagnosis of the Insured. One can get online Reliance Health Corona Rakshak insurance as well.
Standard COVID Cover
105 days, 195 days, 285 days
Rs 50,000, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh
Scope of coverage under Reliance Corona Rakshak Insurance policy is mention below:
Treatment Coverage- All those who plan to buy Reliance Health Corona Rakshak insurance can get their COVID hospitalization costs covered if the insured needs to be hospitalized. This also covers the expenses incurred to buy gloves, masks, PPE kits, oxygen, ventilator charges, room charges, diagnostic taste, and even the boarding charges. This will also cover the ICU or ICCU charges. On the other hand, if the insured is treated at home, it covers treatment for 14 days.
Optimum Payout- Reliance Health Insurance provides the insured with the Reliance Health Corona Rakshak Insurance as a lump-sum amount of coverage. This can be used to pay the post-hospitalization treatment along with the bills in the hospital.
Standard Coverage- The policy does have standard features of all the insurance companies across the country.
Ambulance Charges- Ambulance charges are bound to incur while hospitalised. This charge will be compensated along with the payment of Rs 2,000 under this policy.
Pre and Post Hospitalization Cover-The policy covers the medical expenses incurred 15 days before the hospitalization as well as 30 days after the hospitalization. This also includes the charges for conducting the various tests in the hospital.
The list of inclusion covers the following:
The policy doesn’t cover the following:
Some of the salient features and benefits of this policy are mentioned below:
The minimum eligibility criteria of buying this policy are:
Minimum Entry Age
Maximum Entry Age
Number of people covered
Indian Citizens and Permanent Residents
The Reliance Health Corona Rakshak Insurance policy can be canceled any time if it is found that there has been a misrepresentation of facts or correct information has not been revealed. It will also be canceled if the insured commits any fraud. Before canceling, the company gives a notice period of 7 days. In case the policy gets canceled due to misrepresentation, there will not be any refund of the premium amount.
The policyholder can also cancel the policy within 15 days, which is considered a free-look period.
Ans: The minimum SI is Rs 50,000, and the maximum SI amount is Rs 2.5 lakh.
Ans: This policy is available in the policy periods of 31/2 months, 61/2 months, and 91/2 months.
Ans: The waiting period for this policy is for 15 days.
The Insured person can submit the list of claim documents anytime within 30 days from the date of discharge from the hospital after COVID treatment.
Ans: The person needs to be hospitalized for at least 72 continuous hours to initiate the claim.
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