Corona Kavach Policy

Corona Kavach Policy

Specialized indemnity product for the treatment of COVID-19
The COVID 19 pandemic has brought to the fore the immense need for health insurance. As cases of infection rise each day, no one is truly safe. With lockdowns slowly being lifted, the question of the hour is Are you adequately insured against coronavirus complications

Let, IFFCO-Tokio General Insurance Co. Ltd. help you respond to that question with a resounding YES! Our Corona Kavach Health Insurance Policy is the ideal armor that will shield you against costly medical bills while ensuring you get access to the best treatment that you do deserve

Corona Kavach Policy
In keeping with the regulations of the IRDAI, IFFCO Tokio General Insurance Co. Ltd. offers health insurance designed to cover treatment for the infection brought on by the novel coronavirus. You can purchase a Corona Kavach Health Insurance Plan for individual coverage or opt in for the Corona Kavach Family Health Insurance Plan to secure all those you hold dear.

The Corona Kavach Health Insurance Policy offers coverage for your medical needs while getting treatment for COVID 19. Under this policy, you don't need to run around gathering funds at the last minute; you are protected so that you can access life-saving medical care. The coverage offered by our Corona Kavach Health Insurance Policy extends to include the costs of hospitalization, pre- and post-hospitalization care, and home treatment for COVID 19 as per the policy's sum insured.

What's covered by Corona Kavach Policy?
Under the Corona Kavach Health Insurance Policy you enjoy the following benefits:

1 Coverage for COVID-19 hospitalization
The plan covers COVID-19 hospital expenses up to the sum insured of the policy. Cost of consumables such as PPE kits are also covered. Coverage also extends to any kind of makeshift treatment Centre approved by the Government.

2 Protection for the whole family
You can buy coverage for your whole family under the Corona Kavach Family Health Insurance Plan.

3 Inclusion of AYUSH treatment costs
Our Corona Kavach Health Insurance Plan includes coverage for inpatient care from treatments such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH).

4 Provision for pre- and post-hospitalization expenses
Your pre-hospitalization expenses will be covered for a period of 15 days prior to hospital admission. Post-hospitalization charges are covered for a period of 30 days from the day of discharge.

5 Telemedicine charges
Telemedicine consultation charges are also covered under our Corona Kavach Health Insurance Plan.

6 Choice of sum insured
When buying our Corona Kavach Health Insurance Plan, you can comfortably choose the sum insured from a range between Rs 50,000 and Rs 5 lakhs, depending on your coverage needs.

7 Wide eligibility
The Corona Kavach Health Insurance Policy can be purchased by the principal insured from the age of 18 to 65 years. Coverage age is from day 1 to 65 years.

8 Choice of tenure
You can choose your ideal Corona Kavach Health Insurance Plan from the available short-term tenure options of 3 months, 6 months, and 9 months.

What's not covered?
While we strive to provide you with the best in health insurance, all health insurance policies do come with a set of exclusions. Under the Corona Kavach Health Insurance Policy to there are certain exclusions. These consist of, but are not limited to:

Claims made for a COVID 19 diagnosis before the policy start date.
Claims made for OPD and daycare procedures.
Tests for COVID 19 that are not done at a Government-authorized center will not be accepted.
Coverage will stop if a person travels to a country that has been restricted for travel by the Indian Government.

What's not covered?
While we strive to provide you with the best in health insurance, all health insurance policies do come with a set of exclusions. Under the Corona Kavach Health Insurance Policy to there are certain exclusions. These consist of, but are not limited to:

Claims made for a COVID 19 diagnosis before the policy start date.
Claims made for OPD and daycare procedures.
Tests for COVID 19 that are not done at a Government-authorized center will not be accepted.
Coverage will stop if a person travels to a country that has been restricted for travel by the Indian Government.

following benefits:

Tax benefits
The premium you pay for your insurance policy is eligible for tax benefits as per section 80D of the Indian Income Tax Act.

Coverage for consumables
The cost of PPE kits and other consumables used are covered. No capping on room rent

Under the Corona Kavach Health Insurance Policy, there is no cap on the room rent.

Differences between Corona Kavach Health Policy and Corona Rakshak Health Policy
The Corona Kavach Policy and the Corona Rakshak Policy have both been designed to offer the coverage you need for COVID 19. However, there are certain features that distinguish these two health policies from one another. To help you understand, we have listed 3 main points of difference below.

1 Type of plan
Corona Kavach is an indemnity-based plan that covers COVID-19 hospitalization costs. On the other hand, Corona Rakshak is a benefit-based plan that provides 100% payout of the sum insured upon diagnosis of COVID-19.

2 Sum insured
The Corona Kavach Policy gives SI from Rs 50,000 to Rs 5 lakhs and the Corona Rakshak Policy gives SI between Rs 50,000 to Rs 2.5 lakhs.

3 Coverage
The Corona Kavach Policy can be bought on an individual basis or as a family floater plan. The Corona Rakshak Policy only offers individual coverage.

How to buy a Corona Kavach Health Insurance Policy?
IFFCO-Tokio General Insurance Co. Ltd. offers you a truly simplified means of buying your very own Corona Kavach Health Insurance Policy. You can walk into any of our offices and have one of our service experts guide you in getting a Corona Kavach Health Insurance Plan. Or, you can opt to buy your Corona Kavach Policy Online. Buying your Corona Kavach Policy Online will save you a lot of time and effort. All you have to do is follow these quick and easy steps:

1 Visit our website
Log on to our website on your laptop or smartphone. Go to Health Insurance and click on Corona Kavach Policy. You will be asked to provide your name and mobile number.

2 Tell us who is to be covered
Next, let us know whether you will be buying an individual Corona Kavach Health Insurance Plan or Corona Kavach Family Health Insurance Plan.

3 Fill in the details
You will then be redirected to a page that will ask you for some details so that we can calculate your premium. Based on these details, you will get your premium quote. Make the modifications you need until you get the plan that suits your needs.

4 Make the payment
Finally, you simply need to seal the deal by making the payment for your policy on our secure website. You will now receive a copy of your Corona Kavach Health Insurance Policy in your email.

Why buy Corona Kavach Health Insurance Policy online?
We would be more than happy to help you buy your Corona Kavach Health Insurance Policy at one of our branches. However, we do recommend that you buy an Online Corona Kavach Policy so that you enjoy the following benefits:

24/7 access
If you buy an Online Corona Kavach Policy, you can make the purchase at any time of the day that suits you. Our website is available 24/7.

Adhere to social distancing
By choosing to get your Corona Kavach Policy Online, you keep yourself and your family safe from infection by maintaining social distancing.

Quick and easy processing
Our intuitive website will ensure that you get your coverage taken care of in no time at all. Your Corona Kavach Policy will be emailed to your inbox where it stays safe until you need it.

How to choose the right coverage under the Corona Kavach Health Insurance Policy?
We understand that buying health insurance is an important decision. It can sometimes even overwhelm you. In order to ensure that you get the right coverage under your Corona Kavach Policy, make sure to keep the following tips in mind.

Choose the right coverage amount
Make sure that the sum insured will suffice to cover the number of members included in the plan. Keep in mind the higher costs of medical care due to inflation and choose the coverage amount accordingly.

Check premium affordability
It is important that the final premium calculated is an amount that you are comfortable paying. However, you must also take into account the company's claim ratio and choose a plan with the most coverage that you can comfortably pay for.

Ensure all family members are secured
If you are opting in for the family floater plan, make sure that you include as many family members as you can within the purview of the plan's terms and conditions.