corona-kavach-insurance-policy

What is a Corona Kavach policy?
Corona Kavach Policy is a Covid 19 specific product, addressing your basic health insurance needs during the global pandemic. If you're worried about the medical expenses of Covid-19, then this policy is a suitable choice. It covers your hospitalization expenses for Covid treatment, including hospital room rent, nursing expenses, surgery costs, specialist fees, and more. The sum insured for the Corona Kavach Policy ranges from 50K to 5 lakhs, so you can choose the desired amount based on your individual or family needs. If you prefer alternative treatment, you'll be glad to know this policy also covers Ayurveda, Unani, Siddha and Homeopathy (AYUSH) inpatient care treatment for Covid-19.

Why should you buy a Corona Kavach policy from ICICI Lombard?
We simplify health security!

Affordable premiums and easy renewals are some of the key features of our Corona Kavach health insurance policy. You can avail timely medical services at our strong network of 9300+ cashless hospitals across the country. We also have an in-house claims team, which helps us provide quick claim service to all our customers.
Besides, we also offer Hospital Daily Cash cover at a nominal extra premium to supplement your Corona Kavach plan. This add-on covers your out-of-pocket expenses during Covid-19 hospitalization, with a fixed daily allowance.

What is covered under the ICICI Lombard Corona Kavach policy? Below are the detailed inclusions and exclusions of our Corona Kavach policy

[Inclusions]

Inpatient hospitalization
Hospitalization expenses (for minimum 24 hours hospitalization), on a positive diagnosis of Covid-19 in a government authorized diagnostic center. This includes room rent, boarding and nursing expenses; medical practitioner, consultants and specialist fees; blood, oxygen, ventilator charges; surgical appliances; medicines and drugs; costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves and mask.

Icu Costs
Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.

Inpatient AYUSH treatment
The Covid-19 hospitalization expenses you incur under AYUSH (as defined in IRDAI Regulations, 2016) systems of medicine, will be covered up to the sum insured without any sub-limits. This is applicable only on positive diagnosis of Covid-19 in a government authorized diagnostic center.

Hospital daily cash cover
Fixed daily allowance ranging from 250 to 2500 per day. Applicable for each 24 hours of continuous Covid-19 hospitalization, payable maximum up to 15 days during the policy period

Pre-hospitalization
Medical expenses you incur during 15 days before hospitalization or home care treatment. This also covers Covid-19 diagnostic costs.

Home care treatment
Home care for Covid-19, for a maximum period of 14 days per incident, provided a medical practitioner has prescribed home care treatment. This benefit covers doctor consultations, paramedic assistance, regular vital monitoring by nurses, investigations, pharmacy (medicines). Note: If oxygenation is required for Covid-19 treatment, you will have to get admitted at a hospital.

Treatment for comorbid conditions
Cost of treatment for any comorbid condition, along with the treatment for Covid-19.

Post-hospitalization
Medical expenses you incur during 30 days after hospitalization or completion of home care treatment.

Ambulance expenses
on road ambulance expenses, up to 2000/- per hospitalization.

Exclusions
# Any hospitalization expenses you incur primarily for diagnostic and
evaluation
# OPD expenses
# Bills for dietary supplements and substances that are not prescribed
# Diagnostic expenses that do relate to the treatment you are
undergoing
# Expenses incurred at spas and nature cure clinics
# Costs incurred for treatments out of India


[What are the benefits?]

Covers Covid-19
If you are diagnosed positive for Covid-19, you are covered for inpatient hospitalization expenses and home care expenses.

Gives flexible policy term options
You can opt for a policy term of 3.5 months (105 days), 6.5 months (195 days), or 9.5 months (285 days), based on your personal preferences.

Provides cashless services
You can avail cashless hospitalization or home care services, from any of our network hospitals.

Get answers to common queries about the Corona Kavach policy

[General]

Why do I need a Corona Kavach policy?
This policy protects you from financial worries related to Covid-19, so medical expenses are the least of your worries if you need treatment.

What the age limit for Corona Kavach?
You need to be over 18 years old and not more than 65 years old to get insured under Corona Kavach policy.

Can I avail Covid-19 treatment at home under this policy?
Under the Corona Kavach policy, we will cover the costs of Covid-19 treatment taken at home for up to 14 days per incident provided that:
* A medical practitioner has advised you to undergo treatment at home.
* You are undergoing a continuous active line of home care treatment and
your health status is monitored by a medical practitioner for each day.

What do you mean by sum insured?
The (basic) sum insured is the maximum and total amount that an insurance company is liable to pay you for all the claims made under a policy.

What should my sum insured be?
While choosing your sum insured you should consider your current age, health conditions, medical history and ability to pay the premium. If you need help, please call us on 18002666.

What is the waiting period for Corona Kavach?
The waiting period for Corona Kavach policy is 15 days. In case of hospitalization/home care on account of a positive COVID-19 diagnosis, we will cover your medical expenses, provided the illness is contracted after completion of 15 days.

[Cover]

What coverage do I get with Corona Kavach?
Your expenses related to hospitalization, pre & post hospitalization and home care treatment, on a positive diagnosis of Covid-19, are covered under Corona Kavach.

Does Corona Kavach cover Covid-19 diagnostics?
If your positive Covid-19 diagnosis happened within 15 days before the hospitalization/ home care treatment, then the cost is covered as part of the pre-hospitalization medical expenses. This is applicable only if your main hospitalization/home care claim is for a positive Covid-19 case.

Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?
The expenses towards vaccination or any other preventive treatment are not covered under Corona Kavach.

Will Corona Kavach cover expenses due to quarantine/isolation?
If you are diagnosed as Covid-19 positive, and are requested to stay under home quarantine/isolation on the advice of a medical practitioner, then we cover the medical expenses under the home care benefit as per your policy terms and conditions. However, costs you incur during self-quarantine/self-isolation will not be covered.

[Will Corona Kavach cover hospitalization outside India?]
No. The geographical scope of Corona Kavach is limited to India.

Are COVID-19 medical consultations and diagnostic tests covered under Corona Kavach?
In case of an approved claim for Covid-19 related hospitalization, all COVID-19 expenses you've incurred up to 15 days prior to the admission date and 30 days after discharge will be covered as per policy terms and conditions. This will also include consultations with a medical practitioner, diagnostic tests and medicines.

Is overseas treatment for an illness covered?
The expenses for overseas treatments are not covered under Corona Kavach policy.

Are comorbid conditions covered?
Along with the treatment for Covid-19, the policy includes the cost of treatment for any comorbid condition including pre-existing conditions. This is applicable only where the primary admission is for Covid-19 treatment.

Is overseas treatment for an illness covered?
The expenses for overseas treatments are not covered under Corona Kavach policy.

Are comorbid conditions covered?
Along with the treatment for Covid-19, the policy includes the cost of treatment for any comorbid condition including pre-existing conditions. This is applicable only where the primary admission is for Covid-19 treatment.

How do I know if Corona Kavach covers an institute for AYUSH treatment?
We cover AYUSH treatment only when treatment is undertaken in a government hospital or any institute recognized by the government and/or accredited by Quality Council of India/National Accreditation Board of Health. Treatment taken at a healthcare facility which is not a hospital is excluded.

What does basic hospitalization cover?
It covers the inpatient hospitalization expenses incurred during hospitalization for a minimum period of 24 consecutive hours. These include boarding and nursing expenses, intensive care unit charges, doctor fee, blood, oxygen, etc.

What expenses are covered under pre and post hospitalization?
It refers to the medical expenses incurred immediately 15 days before and 30 days after hospitalization.

[Premium]

How many premium payments do I need to make for a Corona Kavach policy?
For a Corona Kavach policy, you need to make a single premium payment.

How much premium qualifies for tax benefits?
Under section 80D of the Income Tax Act, you're allowed to claim a deduction of 25,000 per year for the premium paid on health insurance. The permitted deduction for senior citizens is 50,000.

What parameters are considered for calculating the premium?
Cover opted
Age
Sum Insured

Is this product priced according to tier/location?
The premium for this product is not affected by the location of the policy holder.