Reliance Corona Rakshak Policy

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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Reliance Corona Rakshak Policy

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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.

    Reliance Health Corona Rakshak Insurance: Key Highlights

    Type

    Standard COVID Cover

    Tenure

    105 days, 195 days, 285 days

    Coverage

    Rs 50,000, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh

    Waiting Period

    15 days

    Scope of Coverage

    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.

    Inclusions of the Plan

    The list of inclusion covers the following:

    • 100% of the sum insured given as a single payout to the insured upon positive diagnosis of COVID.
    • The policy cover is available up to an amount of Rs 2.5 lakh.
    • The policy is available for short durations of 3.5 months, 6.5 months, and 9.5 months.
    • It does not require any pre-medical tests to get the policy.

    Exclusions of the Plan

    The policy doesn’t cover the following:

    • Expenses related to diagnostic costs or the medical treatment taken abroad
    • When the insured person has visited countries with travel restrictions put by the Indian Government
    • Diagnosis that is unrelated and non-incidental to the treatment of COVID-19
    • Treatment expenses for any pre-existing disease
    • COVID-19 test is done at any non-government recognized, unauthorized testing center.

    Features & Benefits of the Reliance Corona Rakshak Insurance Policy

    Some of the salient features and benefits of this policy are mentioned below:

    • The amount of the coverage ranges somewhere between Rs 50,000, and Rs 2.5 lakh, and these should be in multiples of 50,000.
    • No need for a pre-medical screening to avail this policy.
    • If diagnosed with COVID-19 by any government authorized centers, the entire sum insured will be paid in total.
    • There is no option for renewing this policy.
    • There is also no option for migration.
    • Tax benefits as per Section 80D for the policy premium is available.

    Eligibility Criteria

    The minimum eligibility criteria of buying this policy are:

    Type

    Individual

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Number of people covered

    Self

    Residential Status

    Indian Citizens and Permanent Residents

    Cancellation Terms of the Policy

    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.

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