Corona Kavach Policy

  • Covid Hospitization Medical Expenses
  • Home Care Treatment Expenses
  • AYUSH Coverage
  • Tax Benefits u/s 80D

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.

About Corona Kavach Policy by Care Health Insurance

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

What is covered under Corona Kavach Health Policy?

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 :

  • Room, boarding, nursing expenses at the Hospital or Nursing Home
  • Fees for Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialist Fees
  • Charges for anesthesia, oxygen, blood, surgical appliances, operation theatre(OT)charges, and ventilator charges
  • Medicines and drugs, costs for diagnostics and diagnostic imaging modalities
  • PPE Kit, gloves, mask, and such other similar expenses
  • Charges for Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU)
  • Expenses incurred on road Ambulance subject to policy terms & conditions

Home Care Treatment Coverage- Coronavirus insurance coverage also cover your home care treatment expenses:

  • Coverage for a maximum of 14 days during the policy period
  • Diagnostic tests have undergone at home or authorized diagnostics center
  • Medicines prescribed in writing by Medical Practioner and consultation charges
  •   
  • Nursing charges, medical procedures limited to parenteral administration of medicines
  • Cost of a Pulse oximeter, Oxygen cylinder, and Nebulizer if required

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​.

Features of Corona Kavach Health Insurance Policy

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 8350+ 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.

What is not covered under Corona Kavach Policy?

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

  • Travel to any restricted countries
  • Diagnosis done at unauthorized testing centers
  • Diagnosis/Treatment taken outside India
  • Expenses incurred on Day Care & OPD Treatment​​
  • Claims related to COVID where the diagnosis before the policy start date
  • Dietary Supplements and Substances purchased without a prescription
  • Costs for Unproven Treatments which lacks significant medical documentation
  • Rest Cure, rehabilitation and respite care

Please note that the above is a partial listing of the policy exclusions. Refer policy brochure for a detailed list of exclusions

Why do you need Corona Kavach, a specific coronavirus insurance plan?

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.

Plan Benefits

Benefits
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
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
15 Days Initial Waiting Period Yes

Eligibility Criteria

Sum Insured (SI) – on annual basis (in Rs.) 5 Lacs
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:

  • Proposer with age above 70 years can obtain policy for family, without covering Self.
  • All the Age calculations are as per “Age Last Birthday” as on the date of first issue of Policy.

Scope of Cover

General conditions applicable to all the benefits and optional benefits

  1. The Eligibility Criteria & Benefits mentioned in this Prospectus & Sales Literature form part of the coverage provided under the Policy.
  2. In this document, words like “We”, “Us” or “Our/Ours” represents the Insurer i.e., “Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited)” and “You” or “Your/Yours” represents the “Proposer” or “Insured Person(s)
  3. The premium payable for this policy would be eligible for claiming Tax Benefits under relevant provisions of Income Tax Act, 1961 and amendments thereof.
  4. The maximum, total and cumulative liability of the Company in respect of an Insured Person for any and all Claims arising under this Policy during the Policy Period shall not exceed the Sum Insured as mentioned in the policy schedule against that benefit for that Insured Person.
    • On Floater Basis, the Company’s maximum, total and cumulative liability, for any and all Claims incurred during the Policy Period in respect of all Insured Persons, shall not exceed the Sum Insured as mentioned in the policy schedule.
    • All Claims shall be payable subject to the terms, conditions, exclusions, sub-limits and wait periods of the Policy and subject to availability of the Sum Insured.
  5. Any Claim paid for Benefits shall reduce the Sum Insured for the Policy Period and only the balance shall be available for all the future claims for that Policy Period.
  6. Admissibility of a Claim under “Hospitalization Expenses” is a pre-condition to the admission of a Claim under Ambulance Cover, Pre Hospitalization Medical Expenses and Post Hospitalization Medical expenses, Hospital Daily Cash (Optional Cover), similarly Admissibility of a Claim under “Home Care Treatment Expenses” is a pre-condition to the admission of a Claim under Pre Hospitalization Medical Expenses and Post Hospitalization Medical expenses and the event giving rise to a Claim under Benefit “Hospitalization Expenses” or “Home Care Treatment Expenses” shall be within the Policy Period for the Claim of such Benefit to be accepted.

Kindly download the full prospectus by clicking this link

FAQs on Corona Kavach Policy

Q. How can I buy Corona Kavach Health Policy to cover my family against COVID-19? 

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.

Q. Can I also get tax benefit under COVID-19 mediclaim policy? 

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.

Q. Is a medical checkup required before buying Corona Kavach policy?

No, you do not require to go for any medical check-up before buying coronavirus policy.

Q. What is the policy period for Care Corona Kavach?

The policy period for Care Corona Kavach is 9½ months, along with waiting periods after you can make the claims.

Q. Does Corona Kavach Policy cover my pre-existing diseases?

 Yes, comorbid conditions, including pre-existing conditions covered under COVID-19 up to Sum Insured, are subject to underwriting.

Q. What is Comorbidity?

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.

Q. What include in pre and post-hospitalization medical expenses under Corona Kavach Insurance Plan? 

In includes medical expenses incurred before 15 days and after 30 days of hospitalization or home care treatment for coronavirus.

Q. What hospitals considered as AYUSH hospital in the Corona Kavach Plan?

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

Q. Are expenses related to PPE kits, Gloves, Oxygen are also covered under Corona Kavach?

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.

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