Corona Kavach Insurance

Key Benefits:

Range of benefits: COVID Hospitalization cover with Home Care Treatment Expenses Network of hospitals: We are equipped to offer you health care with our network of 4000+ hospitals across India. Tax Benefit: The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.

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Corona Kavach Covers

Covid Hospitalization Cover: The Company shall indemnify medical expenses incurred for Hospitalization of the Insured Person during the Policy period for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic center including the expenses incurred on treatment of any comorbidity along with the treatment for Covid up to the Sum Insured specified in the policy schedule, please refer policy wordings for more infomation on covers and exclusions.

AYUSH Treatment: The Company shall indemnify medical expenses incurred for inpatient care treatment for Covid on Positive diagnosis of COVID test in a government authorized diagnostic centre including the expenses incurred on treatment of any comorbidity along with the treatment for Covid under Ayurveda,Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during the Policy Period up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital. Covered expenses shall be as specified under Covid Hospitalization Expenses (Section 4.1)

Pre Hospitalization: The company shall indemnify pre-hospitalization/home care treatment medical expenses incurred, related to an admissible hospitalization/home care treatment, for a fixed period of 15 days prior to the date of admissible hospitalization/home care treatment covered under the policy.

Post Hospitalization: The company shall indemnify post hospitalization/home care treatment medical expenses incurred, related to an admissible hospitalization/home care treatment for a fixed period of 30days from the date of discharge from the hospital, following an admissible hospitalization covered under the policy.

Exclusions

Corona Kavach Exclusions

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The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:

Investigation & Evaluation: Expenses related to any admission primarily for diagnostics and evaluation purposes. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment

Rest Cure, rehabilitation and respite care Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes: i. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons. ii. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.

  • Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or Home care treatment.

  • Unproven Treatments Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness. However, treatment authorized by the government for the treatment of COVID shall be covered.

  • Any claim in the relation to COVID where it has been diagnosed prior to policy start date

  • Any expenses incurred on Day Care treatment and OPD treatment

  • Diagnosis /Treatment outside the geographical limits of India

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

  • All covers under this Policy shall cease if the Insured Person travels to any country placed under Travel restriction by the Government of India.

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