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With Group Corona Kavach Policy, you can insure your employees or members and their family under one policy against the expenses related to Corona virus medical treatment.
About the Policy
With Group Corona Kavach Policy, you can insure your employees or members and their family under one policy against the expenses related to Corona virus medical treatment. The policy covers inpatient hospitalization due to Corona virus disease, offers coverage from 50,000 to 5 Lakhs, and much more. Employer employee or Non employer employee can be insured on an Individual or family floater basis
Add-on cover : Hospital Daily Cash - Insured persons can also avail daily cash allowance for hospitalization up to 15 days.
Features :
Employer employee or Non employer employee can be insured on an Individual or family floater basis.
Coverage from 50,000 to 5 Lakhs.
Inpatient Hospitalization due to Corona virus.
Pre and Post hospitalization.
AYUSH treatment.
Home care treatment expenses.
Policy Period available for 3.5 months, 6 .5 months, and 9 .5 months.
Exclusions :
Investigation & evaluation.
Rest cure, rehabilitation and respite care.
Breach of law.
Diagnosis /treatment outside the geographical limits of India.
Unproven treatments.
Any claim in relation to COVID where it has been diagnosed prior to the policy start date.
Any expenses incurred on day-care treatment and OPD treatment.
Testing done at a diagnostic center which is not authorized by the government shall not be recognized under this policy.
30 days
For 30 days from the date of discharge from the hospital/completion of home care treatment
15 days
For 15 days prior to the date of hospitalization/home care treatment
Covered upto sum insured during the Policy period
Medical Expenses incurred for Inpatient Care treatment for Covid under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered upto sum insured during the Policy period as specified in the policy schedule
First Fifteen Days Waiting Period
Expenses related to the treatment of Covid within 15 days from the policy commencement date shall be excluded
Available
The Company shall indemnify costs of treatment incurred by the Insured person on availing treatment at home for Covid on Positive diagnosis of Covid in a government authorized diagnostic centre maximum up to 14 days per incident , which in the normal course would require care and treatment at a hospital but is actually taken while confined at home subject to policy terms and conditions
