Corona Kavach is a health insurance plan to protect individual and families from COVID-19. The plan includes home care treatment expenses upto S.I., (maximum upto 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 hospitalization expenses are very high and become out of pocket expenses for many. In this critical situation, comprehensive coronavirus health insurance is of great help. It not only covers costs of treatment for coronavirus but also gives financial cushion during a medical emergency. Care Health Insurance (formerly known as Religare Health Insurance Company Limited) 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. The lethal virus stays for long; you have to gear up and live a healthy life. You must have adapted to the new lifestyle and use masks, sanitizers, and follow social distancing. But these things give you only passive resistance against the destructive virus. Moreover, coronavirus treatment can push you in a spiral of debt. Therefore, Corona Kavach Policy provides you with complete protection and covers your hospitalization 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
Your safety is our utmost priority. We ensure to give you maximum coverage under coronavirus policy:
Take a look at the coverage:
Hospitalization Coverage- Corona mediclaim gives you extensive hospitalization 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 sum insured :
Home Care Treatment Coverage- Coronavirus insurance coverage also cover your home care treatment expenses:
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 Hospitalization- Corona insurance covers the medical expenses incurred up to 15 days before hospitalization and 30 days post-discharge from the hospital.
In-Patient Hospitalization- This plan covers in-patient hospitalization expenses for the treatment of the infection. It includes room, boarding, and nursing charges—additionally, it also covered the costs for surgeons, specialists, anesthetists, and Intensive Care Units (ICU). Diagnostics, oxygen, and ventilator charges are also part of the coverage up to the Sum Insured.
Sum Insured Option- With Corona Kavach, you can prepare yourself financially to face any medical emergency during coronavirus crisis without worrying about money. You can buy this COVID insurance online with a sum insured of Rs. 5 lakhs.
Minimal Waiting Period- It must be a significant relief for you. You do not need to wait for the completion of long waiting periods to make a claim. Corona health insurance has a waiting period of just 15 days after the policy issuance.
Home Care Treatment- If prescribed by the Medical Practitioner, you can opt for home care treatment under coronavirus health policy maximum up to 14 days per incident. It also covers diagnostic tests underwent at home or the authorized diagnostic center, along with medicines, consultation, and nursing charges.
Hospital Daily Cash- It is an optional cover provided under the mediclaim for COVID. In this, you can get 0.5% of the Sum Insured per day for 24 hours of continuous hospitalization for COVID-19 treatment subject to policy terms & conditions.
Cashless Treatment- You can avail of cashless treatment for COVID-19 at our 7800+ network hospitals in different cities. You do not need to pay your hospitalization and treatment bills from your pocket. We directly settle your bills to the hospital subject to policy terms and conditions. However, you have to choose the network hospitals that authorized for corona treatment.
Available Online- Corona Kavach is readily available online. You do not need to go outside to buy it. All you need to do is visit RHI official website, fill your details, get your plan, make the payment, and get insured. It is so easy to buy COVID insurance online with us.
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 pandemic is an eye-opener for all of us. Due to the rapid surge in coronavirus patients in India, it is crucial to have a policy that covers this pandemic. Corona Kavach policy provides you with more conventional health insurance coverage to fight against the fatal virus. It covers treatment and hospitalization charges to give relief to patients who have limited means of income. It acts as a safeguard for our frontline corona warriors like healthcare workers, journalists, shopkeepers, security personnel, police, and others. So, stay safe and protected with Care corona kavach policy.
|Hospitalization Expenses||Up to SI Ambulance Cover-Up to Rs.2000/- Per Hospitalization|
|Home Care Treatment Expenses||Up to SI, maximum up to 14 days per incident|
|AYUSH Treatment||Up to SI|
|Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses||15 days prior to date of Hospitalization/Home Care Treatment &
30 days from date of discharge from Hospital/completion of Home Care Treatment; Maximum up to SI
|Hospital Daily Cash||0.5% of SI per day subject to maximum of 15 days in a Policy Period per Insured Person|
|15 Days Initial Waiting Period||Yes|
|Sum Insured (SI) – on annual basis (in Rs.)||50k to 5L (in multiple of 50k)|
|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
|Who are covered (Relationship with respect to the Proposer)||Self, Legally wedded spouse, Dependent children, Parents, Parents-in-law.|
|Tenure||Three and half months, Six and half months, Nine and half months|
|Pre-policy Issuance Medical Check up||Not Applicable|
General conditions applicable to all the benefits and optional benefits
Kindly download the full prospectus by clicking this link
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 available 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, along with waiting periods after you can make the claims.
Yes, comorbid conditions, including pre-existing conditions covered under COVID-19 up to Sum Insured, are subject to underwriting.
It is a medical term that 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 hospitalization or home care treatment for coronavirus.
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.
**Disclaimer: The information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.