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.

What is COVID-19 Insurance?

COVID-19 insurance, just like other health insurance products, provides financial protection against coronavirus health emergencies. The COVID-19 insurance plan was introduced due to the coronavirus global disaster that started in 2020. During that time, looking at the severity of the situation, the Insurance Regulatory Development Authority of India (IRDAI) had mandated to launch Corona Kavach, a basic COVID-19 health insurance policy to help consumers protect themselves financially against COVID-19 medical bills

COVID-19 has already claimed many lives around the world. And the coronavirus pandemic is not over yet. The current COVID-19 variant BF.7 has been creating havoc in China and a few cases have also been detected in few parts of India. So, it is even more important to take precautions, in case the situation worsens. Wearing masks, washing and sanitizing hands etc are the basic protocol that people need to follow. Apart from that, it is important to have a good health insurance policy that covers treatments related to COVID-19. One can even purchase the Corona Kavach policy separately, apart from their regular health insurance policy.

Why do you need Corona Kavach Health Insurance Policy ?

• All your hospitalisation expenses associated with PPE kits, oxygen, ventilators, and consultation fees will be covered.
• We also cover Home Care Expenses, which is incurred when an insured takes treatment for being COVID-19 positive at home.
• Your pre and post hospitalisation expenses, i.e. 15 days before hospitalization and until 30 days after discharge, will be reimbursed.
• Medical expenses incurred during homecare treatment will be covered up to 14 days.
• 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.
• With more than 12,000 +ˇ cashless network hospitals, finding the best treatment in your vicinity will be easy.
• HDFC ERGO is trusted by more than #1.3 crore happy customers.

How to Buy COVID Insurance?

• Visit the insurance company website.
• Fill up the details required to view COVID-19 health insurance policy options.
• Select the sum-assured that is suitable for you.
• After filling up the required details, you need to pay the premium.
• Once all the required documents and details are submitted, you will be sent your COVID-19 health insurance policy document shortly.

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.