Inclusions of Corona Rakshak
After the insured person is diagnosed with COVID-19 from a government authorized diagnostic centre, the insurer will pay the fixed amount which had been insured to the insurer as a one-time payment to cover for the losses. The best way to is to ensure the amount which is at least 25% of your monthly salary this will be the best way to keep your family protected. The insurer will pay t100% of the insured sum on a positive diagnosis. However, it is important to note that the amount is payable only when the person is hospitalised for at least 72 hours. The lump-sum amount which is paid is irrespective of the expenses occurred during the hospitalisation whether high or low.
What is not allowed in both policies is a claim in the waiting period and a positive test from a non-authorised diagnostic centre.
These are very basic yet important policies and these hard times IRDAI has launched these policies so that all the families could have a secure future. It is must to have one of these policies according to the needs.