Knowledge Centre
  • Introduction
  • What's included?
  • What's not included?
  • Optional Cover
  • FAQs

Corona Kavach Policy, HDFC ERGO

 

Looking at the rising Coronavirus cases in the nation, quality healthcare and prompt medical treatment has become the need of the hour. Hence, (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. This 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. It is a standard health insurance plan designed to cover medical expenses arising due to Coronavirus Pandemic. With this standard health insurance plan for Coronavirus you don’t have to pay for the medical bills and get access to quality medical treatments.

Reasons to choose Corona Kavach Policy, 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 #1.3 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.

What’s covered under Corona Kavach Health Insurance?

Hospitalisation Expenses
Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, PPE kits, oxygen, ICU, and Doctor consultation fees gets covered.

Pre-hospitalisation Cover
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
Post-hospitalisation Cover

Get coverage for medical expenses incurred until 30 days after discharge from the hospital.

Home care treatment expenses
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)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
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?

Diagnostic expenses
Diagnostic expenses

Hospitalisation for for diagnostics and evaluation purposes, which are not related or not incidental to the current diagnosis and treatment.

Rehabilitation & Cure
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
Dietary supplements

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

Unproven Treatments
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
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
Day care treatments

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

Vaccination
Vaccination

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

Diagnosis outside India
Diagnosis outside India

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

Unauthorized testing
Unauthorized testing

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

Optional Cover

Hospital Daily Cash

Get allowance for your day to day financial needs!

You get 0.5% of sum insured per day for 24 hours hospitalization for COVID-19 treatment upto 15 days.


How does it Work? If you are hospitalised and undergoing treatment for Coronavirus and you have taken a sum insured of 1 lac. In that case, we will pay you 0.5% of your sum insured everyday upto a maximum 15 days during your hospitalization tenure. This means with a sum insured of ₹1 lac you get ₹500 as hospital daily cash allowance for every 24 hours completion

A waiting period of 15 days is implied for Corona Kavach Policy.

Corona Kavach Policy, HDFC ERGO UIN: HDFHLIP21078V012021


The above-mentioned inclusions, benefits, exclusions and waiting periods are in gist and is for illustrative purpose only. To know more about the product, its waiting periods and sum insured for medical treatments, please refer to the policy wordings. Please note: Your policy coverage shall cease if the Insured Person travels to any country placed under Travel restriction by the Government of India.

Frequently asked questions

No, this policy is meant for covering Coronavirus hospitalisation treatment only. If you wish to get yourself insured against other possible ailments, you can explore our other health insurance plans
No, you cannot pay premium for Corona Kavach in instalments. However, there are other comprehensive health insurance plans offered by HDFC ERGO, which give instalment payment benefit.
Minimum entry age criteria for an adult is 18 years and for a child is 1 day whereas the maximum entry age limit is 65 years for adult and 25 years for a child..
If you are an Indian, Non-resident Indian, you reside in India or you are an overseas citizen of India you can get covered under this standard health insurance policy, provided you are in India at the time of purchase of the policy.
You can opt for the cashless claim at a network hospital or go for reimbursement claims at non-network hospitals. To read the detailed claim process click here.

 

This policy covers hospitalisation expenses or home care treatment expenses after an insured is found to be Coronavirus positive. Hence, mere quarantine expenses shall not be covered.
Yes, this standard health insurance plan covers health-check up or diagnosis expenses for Coronavirus only for positive cases.
The Sum insured options for Corona Kavach Policy are ₹ 50,000, 1,1.5, 2, 3.5, 4, 4.5, & 5 lacs.
You can buy Corona Kavach Policy for yourself, your family i.e your spouse, kids, parents and in-laws.
You can buy it for 3.5 months, 6.5 months, 9.5 months ie 105 days, 195 days & 285 days respectively.
The maximum entry age to buy this product is 65 years.
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