Corona Kavach Policy is an affordable standard health insurance policy designed to offer protection against medical expenses arising due to pandemic declared coronavirus (COVID-19). Launched by the Insurance Regulatory and Development Authority of India (IRDAI) on July 12th, 2020, the policy is offered by both general and health insurers.

It is an indemnity based short-term policy that offers protection to both individuals and families. Apart from hospitalization expenses, the policy aims to cover the insured for homecare treatment, AYUSH treatment, pre-hospitalization and post-hospitalization expenses, etc. The policy promises wide coverage and prompt and quality medical treatment to the insured.

Corona Kavach Health Insurance Policy Benefits

Top 10 Corona Kavach Policies Based on Claim Settlement Ratio

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Corona Kavach Health Insurance Policy Coverage

Highlighted below are key inclusions under the Corona Kavach Policy:

• Hospitalisation Expenses: Corona Kavach Policy covers the insured for hospitalisation expenses (including the treatment of comorbid conditions) arising due to a minimum of 24 hours of hospitalisation for treatment of COVID-19. The insured can claim expenses related to the Intensive Care Unit (ICU), anaesthesia, blood, oxygen, PPE kit, room rent, nursing, boarding, fees of Consultant/Specialist, etc. from respective insurance providers.
• Pre-Hospitalisation Expenses: The policy covers the insured for up to 15 days of pre-hospitalisation expenses if related to the treatment and care required due to a positive diagnosis of COVID-19.
• Post-Hospitalisation Expenses: The policy covers the insured for up to 30 days of post-hospitalisation expenses if arising due to positive diagnosis of COVID-19.
• Road Ambulance Expenses: Corona Kavach Policy covers the insured for road ambulance expenses incurred for transportation to the hospital in case of emergency related to COVID-19 for up to Rs. 2,000.
• AYUSH Treatment Expenses: The policy covers medical expenses arising due to in-patient care and treatment required due to COVID-19 under AYUSH systems of medicines like Ayurveda, Naturopathy, Unani, Siddha, and Homeopathy. The benefits can be availed for up to sum insured limit.
• Home Care Treatment: Depending on the severity of illness, the policy covers the insured for home care treatment expenses for up to 14 days. The insured can avail several benefits under home care treatment cover including cost of medicines prescribed in writing, consultation charges, oxygen cylinder, nursing expenses, diagnostic tests undergone at home or at diagnostic centre, cost of pulse oximeter, etc.
• ICU Expense Cover: Generally, majority of the time, a COVID-19 patient requires to be admitted in the ICU. The expenses arising from the treatment are without a doubt on a higher end. However, no need to worry as the policy covers these expenses too.
• No Deductible: The sum insured that can be availed ranges between Rs. 50,000 to Rs. 5,00,000. But, there are no deductibles.

What Is Not Covered Under Corona Kavach Health Insurance Policy?

Although the Corona Kavach Policy offers comprehensive coverage to the policyholder, yet there are certain things which are not possible to cover. The key exclusions under Corona Kavach policy are as follows:

• OPD And Daycare Procedures: Corona Kavach Policy does not cover any expenses incurred due to OPD and daycare procedures.
• Investigation And Evaluation: The policy does not cover the insured for any treatment that is undergone primarily for the purpose of diagnostics and evaluation. Also, it does not cover any diagnostic expenses that are not related or incidental to the current diagnosis and treatment.
• Rest Cure, Rehabilitation, And Respite Care: The policy does not cover expenses related to admission primarily for a rest cure, rehabilitation, and respite care. This also includes expenses related to custodial care and services to address the physical, social, emotional, and spiritual needs of the patient.
• Testing at Unauthorized Hospital: Claim for Coronavirus prior to policy initiation is not covered or needing hospitalisation for less than 24 hours is also excluded. Moreover, in case the testing is done at any unauthorized hospital or health centre, then the claim arising from it will also not be entertained. Also claims arising because of any unproven healthcare treatment, lacking any adequate medical documents to support the claim is excluded from policy benefits.
• Outside India: Availing treatment for COVID-19 out of India is also not covered under the Corona Kavach Policy.

How to Purchase Corona Kavach Policy Online?

To buy a Corona Kavach Policy online, you can follow the below given simple steps:

Step 1:Go to InsuranceDekho's official website and from the displayed web page choose the ‘Health' tab.
Step 2: Enter details like phone number, name and gender. Afterwards, you will get a One time password or OTP, enter it.
Step 3: Let us know when you wish to buy the policy by choosing the option from the displayed drop down menu. Then, select ‘View Quotes'.
Step 4: Choose all the family members whom you wish to include under the policy. Thereafter, choose the ‘Continue' option. Then, select the family members' age.
Step 5: Enter information regarding your city and email ID. Afterwards, select the ‘Submit and View Quotes' option. All the policies from different insurance providers will get displayed on the screen. Select the one that you wish to buy and also choose the term for the same.
Step 6: After entering the necessary details make online payment through a secured payment channel.

How to File Claim for Corona Kavach Policy?

The entire claim procedure of the Corona Kavach Policy is the same as the normal health insurance plan with no major difference. The policy can be claimed either for reimbursement or cashless benefit. The steps for claim process are explained below:

• The primary step is to intimate the insurance company regarding the claim whenever it arises. The initiation window for claim is based on hospitalisation type which needs to be followed in case of emergency and planned hospitalisation for 24 hours and 72 hours respectively.
• When it comes to cashless claims, a pre-authorisation letter needs to be submitted seeking cashless claim permission from the insurance company. While, when talking about reimbursement options, the hospital expenses are paid by the policyholder initially from their own pocket and later register for the claim.
• Once the claim request is approved, the hospital dues are settled directly by the insurance company or the expenses get reimbursed up to an admissible amount.

How Can I Cancel Corona Kavach Policy?

A policyholder can cancel their corona kavach policy within 15 days of buying it, on the grounds of the policy not meeting certain requirements or in case it is disappointing in terms of coverage. The paid premium amount will get adjusted according to the prevailing Insurance Regulatory and Development Authority of India (IRDAI) norms. The reason behind extending this option was to make the policy more flexible for the policy proposers.
Alternatively, the insurance provider also has all the rights to terminate the policy anytime on the basis of misleading, non-disclosure of material facts related to health or medical history, any fraudulent act at the time of claiming the policy by submitting false documents, etc. However, if any fraud or misrepresentation is found, then the insurance company is not entitled to pay even a single penny to the user.