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Corona Kavach Health Policy

Corona Kavach Health Policy

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.

  • Covid Hospitisation Medical Expenses
  • Home Care Treatment Expenses
  • AYUSH Coverage
  • Tax Benefits u/s 80D
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What is Corona Kavach policy?

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 coronavirus 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.

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Corona Kavach Health Plan

Policy that Helps You Fight Against Novel Coronavirus

  • Coverage for Hospitalisation Expenses
  • Home Care Treatment Coverage
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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage
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Health Insurance for Senior Citizens

Your Parents have always care for you, Now its your TURN

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons

What is Covered Under Care Corona Kavach Health Policy?

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:

  • 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 - If you buy corona kavach policy, we will  cover your home care treatment expenses that include:

  • 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 Hospitalisation- Corona insurance covers the medical expenses incurred up to 15 days before hospitalisation and 30 days post-discharge from the hospital​. You can also buy corona insurance online to save yourself some time and extra effort.

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

Features of Corona Kavach Health Insurance Policy

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-

  • Sum Insured Option With Corona Kavach, you can prepare yourself financially to face a medical emergency due to coronavirus without worrying about money. You can buy this COVID insurance online with a sum insured of Rs.5 lakh.
  • 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 undergone 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 hospitalisation for COVID-19 treatment subject to policy terms & conditions.
  • Cashless Treatment- You can avail of cashless treatment for COVID-19 at our 22900+Cashless Healthcare Providers in different cities. You do not need to pay your hospitalisation 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 are 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 to Care Health Insurance, fill your details, get your plan, make the payment, and get insured. It is so easy to buy COVID insurance online with us.

Why is It Important to Have the Corona Kavach Health Insurance Policy?

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 of Corona Kavach Health Insurance Policy

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

What is Eligibility Criteria for Buying Corona Kavach Policy?


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


  • 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.

How to Buy Corona Kavach Policy Online?

You will simply have to follow the following steps to buy Corona Kavach policy-

  • Visit the official website of Care Health Insurance.
  • Enter the required details, including contact number and email id.
  • Click on Get Quote.
  • Fill in the Proposer details, including mobile number, email ID, name, and Pincode.
  • Click on Next and enter the insured person's details, such as gender and age.
  • Click on the Next button and fill in the details for pre-existing conditions if any.
  • Select the sum insured and policy tenure.
  • At the top, you can see the premium, including GST and EMI options too.
  • Click on Buy Now, and the 'quick pay' page will open where you need to confirm proposer details, then click on the Next button.
  • Please select any of our secure payment modes such as net banking, debit or credit cards, or payment wallets.
  • You will receive the policy documents, including the policy number and e-card, on your registered email-id.

What is the Process to Raise a Claim for 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.


Voice Of Customer

Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


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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. Are there any tax benefits under this Corona Kavach health insurance policy?

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.

Q. Is a medical check-up 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 waiting period for Care Corona Kavach?

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.

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. Why should you buy a Corona Kavach policy from Care Health Insurance?

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.

Q. What is Comorbidity?

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.

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

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

Q. Can I also cover my family members under this corona cover policy?

Yes, you can cover your family members under this corona cover policy.

Q. Can I avail Covid-19 treatment at home under this policy?

Yes, you can avail Covid-19 treatment at home under this policy.

Q. Which hospitals are 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.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024

^10% discount is applicable for a 3-year policy

**Number of Claims Settled as of 31st March 2024

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