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.
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.
Everything from bed-charges, nursing charges, blood tests, PPE kits, oxygen, ICU, and Doctor consultation fees gets covered.
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.
Get coverage for medical expenses incurred until 30 days after discharge from the hospital.
If you are undergoing treatment for Coronavirus at home, then we cover medical expenses related to health monitoring, medicine costs upto 14 days.
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.
Transfer from home to hospital or hospital to home in an ambulance is also covered. We pay ₹2000 per hospitalisation.
Hospitalisation for for diagnostics and evaluation purposes, which are not related or not incidental to the current diagnosis and treatment.
Expenses related to bed rest, custodial care at home or nursing facility by both skilled and non-skilled for is not covered.
Expenses incurred for buying medicine without a prescription by Doctor is not covered.
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.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.
Medical expenses due to OPD treatments or day care procedures will not get covered.
Any expenses incurred in respect of inoculations, vaccinations or other preventive treatment shall not be covered.
We do not cover medical expenses for treatment taken outside the geographical limits of the country.
Testing done at a Diagnostic centre which is not authorized by the Government shall not be recognized under this Policy.
You get 0.5% of sum insured per day for 24 hours hospitalization for COVID-19 treatment upto 15 days.
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.
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