Corona Kavach Policy

The Covid-19 pandemic has been quite the most far-reaching event of our times presenting a combination of mass health, financial and environmental crises. As a challenge, it is evolving and its aspects and magnitude remain unpredictable.

Scope, Eligibility and Policy Period
Who can be covered?
Minimum entry age: 18 years
Maximum entry age: 65 years
Dependent children (natural or legally adopted)- day 1 to 25 yrs (If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals)

What Relationships that can be covered under the policy?
Self, Legally wedded Spouse, Dependent Children, Parents and Parents-in-law.

What are Types of the Policy?
Individual & Floater Sum Insured

What are Sum Insured options available?
Rs. 50,000 (fifty Thousand) to 5,00,000 (Five lakh) (in the multiples of fifty thousand).

What is Category of Cover in the policy?
The cover shall be made available on Indemnity basis only.

What is the policy period?
Three and half months (3.5 months)
Six and half months (6.5 months)
Nine and half months (9.5 months)

Is there any Discounts in the policy?
Health Care Worker: 5% discount in premium.

What are Waiting Periods?
Expenses related to the treatment of Covid within 15 days from the first policy commencement date shall be excluded.

Coverage:
a) Hospitalization expenses- Medical expenses incurred on hospitalization for Covid for minimum period of 24 hours including pre-hospitalization expenses for a period of15 days and post hospitalization expenses for a period of 30days.

b) Ambulance Charges: Expenses on road Ambulance subject to a maximum of Rs.2000/- per hospitalization.

c) Home Care treatment expenses-Costs of treatment incurred person on by the on availing treatment at home maximum up to 14 days per admission as per policy terms and conditions including pre hospitalization expenses for a period of15 days and post hospitalization expenses for a period of 30days.

d) AYUSH Coverage- Medical expenses incurred on hospitalization for Covid under AYUSH Treatment

e) Hospital Daily Cash (Optional Cover)

What are the Major exclusions in the policy?
Following is a partial list of the policy exclusions.

a. Admission primarily for investigation & evaluation
b. Admission primarily for rest Cure, rehabilitation and respite care
c. Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date.
d. Day Care treatment and OPD treatment