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The Corona Kavach Policy is meant to protect you during COVID-19-related emergencies. It saves your finances and safeguards your health when you need trusted assistance. Check out this comprehensive guide to learn more about this policy.
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Corona Kavach is one of the Corona insurance plans to protect individual and families financially from the effects of COVID-19. The plan includes home care treatment expenses up to S.I., (maximum up to 14 days per incident) along with AYUSH coverage and many more other benefits.The novel coronavirus has radically altered life across the globe, and India has impacted tremendously. As of now, cases in India have risen to more than one million. Since it is a new virus with no specific vaccination or treatments, infected patients are getting treated in hospitals by supplementary medications. The treatment and hospitalisation expenses are very high and become out of pocket expenses for many. In this critical situation, comprehensive health insurance is of great help. Care Health Insurance brings Corona Kavach Policy for all the customers who are worried because of COVID-19.
In the wake of a global pandemic in the country, Care Corona Kavach is affordable coronavirus insurance that you can avail of for yourself and your family. Moreover, coronavirus treatment can push you in a spiral of debt. Therefore, Corona Kavach Policy provides you with complete protection and covers your hospitalisation costs so you can focus on your recovery instead of hospital bills. Our cashless COVID mediclaim gives you and your family a huge relief to recover in the comfort of your home. Read more details about Care Corona Kavach.
Policy that Helps You Fight Against Novel Coronavirus
Ideal for families looking for capless coverage
Health insurance for elderly with no pre-policy checkup.
Your safety is our utmost priority. We ensure to give you maximum coverage under the coronavirus policy. Below are the benefits that are covered under corona kavach health insurance by Care Health Insurance: -
In-patient hospitalisation Coverage - Corona mediclaim gives you extensive hospitalisation coverage if diagnosed positive in a government authorized diagnostic center including the expenses incurred on treatment of any comorbidity along with treatment for COVID up to the sum insured:
Home Care Treatment Coverage - If you buy corona kavach policy, we will cover your home care treatment expenses that include:
AYUSH Treatment- This COVID mediclaim policy also covers the medical expenses for in-patient AYUSH treatment. It includes Ayurveda, Unani, Siddha, and Homeopathy treatment and medicines for COVID positive patients up to the Sum insured with no sub-limits.
Pre and Post Hospitalisation- Corona insurance covers the medical expenses incurred up to 15 days before hospitalisation and 30 days post-discharge from the hospitalโ. You can also buy corona insurance online to save yourself some time and extra effort.
We shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of below areas
Please note that the above is a partial listing of the policy exclusions. Refer policy brochure for a detailed list of exclusions
Corona kavach health insurance policy provides you the absolute safety shield in times of COVID-related emergency. Below are the feautures of corona kavach plan you wouldn’t want to miss out on-
Corona pandemic is an eye-opener for all of us. Due to the rapid surge in coronavirus cases in India, it is crucial to have a policy that covers hospitalisation expenses due to the pandemic. Corona Kavach policy helps you with the most comprehensive health insurance coverage to fight against the fatal virus like Covid-19. It covers treatment and hospitalisation charges to give relief to patients who have limited means of income or can’t afford a quality treatment. Moreover, it acts as a safeguard for our frontline corona warriors like healthcare workers, journalists, shopkeepers, security personnel, police, and others who are more prone to catching virus. So, stay safe and protected with Care corona kavach policy.
| Benefits | |
|---|---|
| hospitalisation Expenses | Up to SI Ambulance Cover-Up to Rs.2000/- Per hospitalisation |
| Home Care Treatment Expenses | Up to SI, maximum up to 14 days per incident |
| AYUSH Treatment | Up to Sum Insured |
| Pre-hospitalisation Medical Expenses and Post-hospitalisation Medical Expenses | 15 days prior to date of hospitalisation/Home Care Treatment & 30 days from date of discharge from Hospital/completion of Home Care Treatment; Maximum up to SI |
| Optional Cover | |
| Hospital Daily Cash | 0.5% of SI per day subject to maximum of 15 days in a Policy Period per Insured Person |
| Wait Periods | |
| Initial Waiting Period | 15 Days Waiting Period |
| Age of Proposer | 18 years or above |
| Entry Age – Minimum | Individual : 5 years Floater : Child aged 1 day with at least 1 member of age 18 years or above |
| Cover Type | Individual Floater:upto 2A4C |
| Who are covered (Relationship with respect to the Proposer) | Self, Legally wedded spouse, Dependent children, Parents, Parents-in-law. |
| Tenure | Nine and half months |
| Pre-policy Issuance Medical Check up | Not Applicable |
Notes:
You will simply have to follow the following steps to buy Corona Kavach policy-
With us, claim under the covid kavach insurance is quick and easy. You can file the claim in two ways:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Go to a listed in-network hospital. | Step 1: Submit your claim form along with other required documents. |
| Step 2: Fill out the proper forms at the insurance desk. | Step 2: You'll get an approval letter when your claim is verified. |
| Step 3: Send the completed form to our claim management team. | Step 3: Respond to queries raised by the claim management team. |
| Step 4: You'll get an approval letter when your claim is verified. | Step 4: Get approval from the claim management team. |
| Step 5: Respond to queries from the claim management team and you will soon know whether your cashless claim is approved or rejected. | Step 5: You will be contacted by our claims team if there are specific reasons for rejecting your claim. |
Double-checking mediclaim for corona details before buying is necessary to avoid any issues while getting a claim.
Look for hospitals around you
You can easily buy COVID insurance online to cover your family against COVID-19. You just need to visit our official website, fill the details, get the quote, make the secure payment, and get your Corona Kavach.
Yes, you can avail a tax benefit under Section 80D of the Income Tax Act 1961 for the premium you paid for coronavirus insurance coverage.
No, you do not require to go for any medical check-up before buying coronavirus policy.
The policy period for Care Corona Kavach is 9½ months. An initial waiting period of 15 days is applicable as well to claim the policy.
Yes, comorbid conditions, including pre-existing conditions covered under COVID-19 up to Sum Insured, are subject to underwriting.
You should buy covid kavach health insurance policy from Care Health Insurance to avoid last minute hassle of arranging funds due to covid related contingencies. Covid kavach policy comes with extensive benefits such as cashless hospitalisation, at home treatment facility, pre and post hospitalisation,etc.
It is a medical term that is used if a person has more than one disease simultaneously. For example, if you have both diabetes & hypertension is known as comorbidity.
In includes medical expenses incurred before 15 days and after 30 days of hospitalisation or home care treatment for coronavirus.
Yes, you can cover your family members under this corona cover policy.
Yes, you can avail Covid-19 treatment at home under this policy.
AYUSH Hospital is where medical/ surgical/para-surgical treatment procedures and interventions are carried out by certified AYUSH Medical Practitioner. It can be Central or State Government AYUSH Hospital/Teaching hospital attached to AYUSH College. It recognized by the Central Government/Central Council of Indian Medicine/Central Council for Homeopathy or Standalone Hospitals
Yes, expenses related to PPE kits, Gloves, Oxygen are also covered under Corona Kavach, provided your claim is admissible.
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Care - Family Health Insurance: UIN - RHIHLIP21087V012021
Disclaimer: The information above is just for reference. Kindly read T & C of the policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Feb'25
^10% discount is applicable for a 3-year policy
**Number of Claims Settled as of Dec'24
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