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Corona Kavach - Health Insurance Policy for COVID -19

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Corona Kavach - Health Insurance Policy for COVID -19

Benefits

Arogya sanjeevani policy description
Covid-19
Hospi​talisation Expenses
Home Care​
Treatment Expenses
Ayush
Treatment​​​

 

The global pandemic novel Coronavirus (COVID-19) has affected millions of people around the world, and the count is increasing day by d​ay. Since COVID-19 is a novel disease with no specific vaccines or treatments, all the Coronavirus infected patients are been treated in hospitals & the treatment expense are very high. To avoid the financial burden & take care of hospit​​alization​ expense, one should opt for a comprehensive health cover.

What is Corona Kavach Health Insurance?

Corona Kavach Policy, Reliance General​ is an affordable Health Insurance policy that protects you and your family against hospitalization expenses due to COVID-19. The coverage starts from the day you get diagnosed with COVID-19 infection. However, this health insurance has a standard waiting period of 15 days.​


What does Corona Kavach Policy Cover?​


Benefits Description
Product TypeIndividual & ​Floater
Sum Insured50K, 1L, 1.5L, 2L, 2.5L, 3L, 3.5L, 4L, 4.5L, ​5L
Policy Period​3½ months​ (105 days), 6½ months (195 days) and 9½ month​s​ (285 days)​
Waiting Period​15 Days waiting period
Eligibility Child Age:​​​​ 1 day to 25 yrs* | Adult Age: 18 yrs to 65 yrs*​

Base​​ Covers for Corona Kavach Policy

Hospitalisation CoverCovers Medical Expenses incurred on Hospitalisation due to Diagnosis of presence of COVID-19
  • Room, Boarding, Nursing Expenses as provided by the Hospital/Nursing Home
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees#​ whether paid directly to the treating doctor/surgeon or to the hospital
  • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such other similar expenses (Expenses on Hospitalization for a minimum period of 24 hours are admissible)
  • Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU) expenses
  • Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization
Home Care Treatment CoverCovers the medical expenses during home treatment for COVID for a maximum of 14 days during the policy period
  • Diagnostic tests undergone at home or at diagnostics center
  • Medicines prescribed in writing
  • Consultation charges of the medical practitioner
  • Nursing charges related to medical staff
  • Medical procedures limited to parenteral administration of medicines
  • ​Cost of Pulse oximeter, Oxygen cylinder and Nebulizer
AYUSH TreatmentThe medical expenses for in-patient treatment** taken under Ayurveda, Unani, Siddha and Homeopathy for COVID positive diagnosis are covered up to the sum insured without any sub-limits.
Pre-Hospitalisation CoverCovers the Medical Expenses incurred up to 15 days prior to date of Hospitalisation​​
Post-Hospitalisation CoverCovers the Medical Expenses incurred up to 30 days post discharge from the Hospital​

​Coverage: ​Add-On

Hospital Daily Cash CoverDaily cash pay-out for each 24 hours of hospitalisation for a maximum up to 15 days. Applicable for hospitalisation cover only.
#​Including consultation through telemedicine as per Telemedicine Practice Guideline of 25th March 2020
*​*Treatment taken in a government authorized hospitals​



What Should You Know About Corona Kavach Policy Cancellation?

The company may cancel the policy at anytime on grounds of mis-representation, non-disclosure of material facts, fraud by insured person, by giving 7days written notice. There would be no refund of premium on cancellation on grounds of mis-representation.


Exclusions of Corona Kavach Policy***


All permanent exclusions shall apply individually for each insured person under the Corona Kavach Policy, Reliance General and claims shall be assessed accordingly​

  • Treatment taken for any pre-existing disease
  • Travel to any restricted countries
  • Diagnosis done at unauthorized testing centres
  • Diagnosis/Treatment taken outside India
  • Expenses incurred on Day Care & OPD Treatment​​
  • Claims related to COVID where the diagnosis prior to policy start date
  • Dietary Supplements and Substances purchased without prescription
  • ​Expenses done for Unproven Treatments which lacks significant medical documentation

Click ​​here to​ view​ the declined list of health issues before buying Corona Kavach policy.​

***All exclusions are subject to terms and conditions of the policy, please read complete policy wordings before concluding sales​​​​​​​

Clic​k here to re​ad the policy wordings to know more about the exclusions of Corona Kavach Policy, Reliance General​​​. Corona Kavach Policy, Reliance General product UIN: RELHLIP21092V012021​​​​





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