Corona Kavach Policy, Star Health and Allied Insurance Co Ltd.

Highlights

COVID Hospitalization Cover
Hospitalization Expenses for treatment of COVID (including co-morbid conditions) on positive diagnosis by government authorized Centre

Home Care Treatment Expenses
Taken treatment at Home for COVID up to maximum 14 days per incident

AYUSH Cover
Covered up to sum insured

Pre acceptance medical screening
No pre-acceptance medical screening

Policy Type
Individual / Floater

Policy Term
3.5 months, 6.5 months and 9.5 months (No Annual policy term)

Benefits

COVID Hospitalization Cover

Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home.

Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (lCU) expenses.

Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist

Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.

Road Ambulance subject to a maximum of Rs.2000/- per hospitalization

Home Care Treatment Expenses

Medical expenses incurred if the insured person diagnosed positive of COVID in a government authorized Centre and taken treatment at Home for maximum up to 14 days per incident provided that,

a) The Medical practitioner advices the Insured person to undergo treatment at home.

b) There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.

c) Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.

d) Insured shall be permitted to avail the services as prescribed by the medical practitioner. Cashless or reimbursement facility shall be offered under homecare expenses subject to claim settlement policy disclosed in the website.

e) In case the insured intends to avail the services of non-network provider claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before availing such services.

Benefit covered under this:

a. Diagnostic tests undergone at home or at diagnostics Centre

b. Medicines prescribed in writing

c. Consultation charges of the medical practitioner

d. Nursing charges related to medical staff

e. Medical procedures limited to parenteral administration of medicines

f. Cost of Pulse oximeter, Oxygen cylinder and Nebulizer

AYUSH Treatment
Medical expenses incurred for inpatient care treatment for Covid on Positive diagnosis of COVID test in a government authorized diagnostic Centre including the expenses incurred on treatment of any co-morbidity along with the treatment for Covid up to the sum insured. Covered expenses shall be as specified under Covid Hospitalization Expenses

Optional Cover

Hospital Daily Cash: The Company will pay cash benefit of 0.5% of sum insured for each completed day of continuous hospitalization subject to a maximum of 15 days per policy period.
Pre Hospitalization: Medical expenses incurred up to 15 days prior to the date of admission

Post Hospitalization: Medical expenses incurred up to a period of 30 days after discharge from the hospital

Waiting Period: An initial waiting period of 15 days is applicable from the date of commencement of this policy.

Discount for health care workers - 5% discount on premium

Sum Insured: Rs.50,000; Rs.1,00,000; Rs.1,50,000; Rs.2,00,000; Rs.2,50,000; Rs.3,00,000; Rs.3,50,000; Rs.4,00,000; Rs.4,50,000; Rs.5,00,000

Eligibility
Adults: 18 yrs to 65 yrs.
Dependent Children: 1 day to 25 yrs.

General Terms

Tax Benefit:
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free look period:
Not Applicable

Star Advantages
No third Party Administrator, direct in-house claim settlement.
Faster & hassle-free claim settlement.
Cashless hospitalization wherever possible.