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Corona Kavach Policy, The New India Assurance Co Ltd is a Policy designed to cover Hospitalization or Home Care treatment for Corona.
Highlights of Corona Kavach Policy, The New India Assurance Co Ltd Hospitalization indemnity policy.
1. Sum insured from 50,000 to Rs. 5,00,000 in multiples of Rs.50000.
2. Entry age Day 1 to 65 years.
3. Policy can be taken on either individual or floater basis.
4. Policy triggers on positive diagnosis of COVID 19 as per Govt mandates.
5. Minimum hospitalization of 24 hours mandatory.
6. Pre hospitalization 15 days.
7. Post hospitalization 30 days.
8. Ambulance charges Rs.2000.
9. Room rent/ICU No limit.
10. No proportionate deductions.
11. Policy period 3 1/2 months (105 days), 6 1/2 ( 195 days), 9 1/2 months(285 days).
12. No free look period under the policy.
13. AYUSH no sub limits.
14. Home Care Treatment payable up to maximum of 14 days per incident.
15. Waiting period 15 days.
16. Cover includes treatment for any co-morbid conditions also.
17. Lifelong renewal/Migration and portability clauses are not applicable.
18. No installment facility. Single premium.
19. Loading of 30% is applicable for persons suffering with any of the Co-Morbidities
20. Discount of 5% shall be given to Females.
21. Optional cover Hospital cash of 0.5% maximum 15 days.15% loading on the premium.
Other Discounts
a. Floater Discount 5%
b. Digital Discount of 10% is applicable. This is only applicable in New India Assurance Customer Channels.
c. Health Care Worker Discount 5%, Applicable only to Self, Spouse and Children.
List of Co-Morbid Conditions
30 days
Post hospitalization - 30 days
15 days
Pre hospitalization - 15 days
Rs.2000
Ambulance charges - Rs.2000
Covered
AYUSH no sub limits
No Capping On Room Rent
Room rent/ICU - No limit
Covered
Home Care Treatment - payable upto maximum of 14 days per incident
