Corona Kavach Policy

Corona Kavach Policy
Corona Kavach, HDFC ERGO Policy is designed to pay for medical expenses arising due to Coronavirus infection. Insurance Regulatory and Development Authority of India (IRDAI) has announced the launch of Corona Kavach Policy and made it mandatory for all General & Standalone health insurance companies in India to offer this policy to its customers. Corona Kavach Policy aims at covering hospitalisation, pre-post hospitalisation, home care treatment expenses and AYUSH treatment in case anyone is tested positive of Covid-19 infection. Buy Corona Kavach online by HDFC ERGO and get access to quality medical treatments during the ongoing pandemic.

Why do you need Corona Kavach Health Insurance Policy ?
1. All your hospitalisation expenses associated with PPE kits, oxygen, ventilators, and consultation fees will be covered.
2. We also cover Home Care Expenses, which is incurred when an insured takes treatment for being COVID-19 positive at home.
3.Your pre and post hospitalisation expenses, i.e. 15 days before hospitalization and until 30 days after discharge, will be reimbursed.
4.Medical expenses incurred during homecare treatment will be covered up to 14 days.
5.If you opt for AYUSH treatment, it will be covered as a part of the policy.
The policy provides for Road Ambulance Cover i.e. transfer from home to hospital or hospital to home, in an ambulance.
6.With more than 10,000 cashless network hospitals, finding the best treatment in your vicinity will be easy.
7.HDFC ERGO is trusted by more than #1.5 crore happy customers.

Reasons to choose Corona Kavach Policy from HDFC ERGO
10,000+ Cashless Network Hospitals
We understand the importance of financial assistance at the time of need, hence we offer cashless hospitalisation facility so that you dont have to worry about the finances while getting medical treatment.

Trusted by #1.5 crore+ Happy Customers
Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

Coverage for Co-Morbid Conditions under Corona Kavach Policy
Corona Kavach Policy, as mandated by the Insurance Regulatory and Development Authority of India (IRDAI), covers hospitalisation expenses if the insured is diagnosed with COVID-19. And yes, the policy will also cover any co-morbid condition triggered due to COVID-19 during the period of hospitalization. However, the policy will not cover any other treatment that is unrelated to the present pandemic. If you wish to get insured against other common and critical ailments, you need to opt for a comprehensive health insurance plan. Corona Kavach Policy can be bought for an individual or as a family floater plan, but it can only be availed by persons between the ages of 18 and 65 years.
However, the policy will not cover any other treatment that is unrelated to the present pandemic. If you wish to get insured against other common and critical ailments, you need to opt for a comprehensive health insurance plan. Corona Kavach Policy can be bought for an individual or as a family floater plan, but it can only be availed by persons between the ages of 18 and 65 years.

What covered under Corona Kavach Health Insurance Policy ?
Hospitalisation Expenses
Everything from bed-charges, nursing charges, blood tests, PPE kits, oxygen, ICU, and Doctor consultation fees gets covered.

Pre-hospitalisation Cover
Before hospitalisation, there are medical expenses towards doctor consultations, check-ups and diagnosis. We provide coverage of such expenses 15 days prior to hospitalization. We also cover the costs of diagnostics towards Covid-19.

Post-hospitalisation Cover
Get coverage for medical expenses incurred until 30 days after discharge from the hospital.

Home care treatment expenses
If you are undergoing treatment for Coronavirus at home, then we cover medical expenses related to health monitoring, medicine costs upto 14 days.

AYUSH Treatment (Non-Allopathic)
We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

Road Ambulance Cover
Transfer from home to hospital or hospital to home in an ambulance is also covered. We pay 2000 per hospitalisation.

What is not covered in Corona Kavach Health Insurance Policy ?
Diagnostic expenses
Hospitalisation for for diagnostics and evaluation purposes, which are not related or not incidental to the current diagnosis and treatment.

Rehabilitation & Cure
Expenses related to bed rest, custodial care at home or nursing facility by both skilled and non-skilled for is not covered.

Dietary supplements
Expenses incurred for buying medicine without a prescription by Doctor is not covered.

Unproven Treatments
We do not cover expenses related to any unproven treatment, services and supplies that lack significant medical documentation to support their effectiveness. However, treatment authorized by the government for the treatment of COVID-19 shall be covered.

Biological War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.

Day care treatments
Medical expenses due to OPD treatments or day care procedures will not get covered.

Vaccination
Any expenses incurred in respect of inoculations, vaccinations or other preventive treatment shall not be covered.

Diagnosis outside India
We do not cover medical expenses for treatment taken outside the geographical limits of the country.

Unauthorized testing
Testing done at a Diagnostic centre which is not authorized by the Government shall not be recognized under this Policy.