Shield yourself against the rising medical expenses due to COVID-19
Shield yourself against the rising medical expenses due to COVID-19
Looking at the rising Corona virus 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 hospitalization, pre-post hospitalization, 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 Corona virus Pandemic. With this standard health insurance plan for Corona virus you don’t have to pay for the medical bills and get access to quality medical treatments.
All your hospitalization 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 hospitalization expenses, i.e. 15 days before hospitalization and until 30 days after discharge, will be reimbursed.
Medical expenses incurred during home care 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 10,000 cashless network hospitals, finding the best treatment in your vicinity will be easy.
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10,000+ Cashless Network Hospitals
We understand the importance of financial assistance at the time of need, hence we offer cashless hospitalization facility so that you don't have to worry about the finances while getting medical treatment.
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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.
Hospitalization Expenses
Everything from bed-charges, nursing charges, blood tests, PPE kits, oxygen, ICU, and Doctor consultation fees gets covered.
Pre-hospitalization Cover
Before hospitalization, 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-hospitalization Cover
Get coverage for medical expenses incurred until 30 days after discharge from the hospital.
Home care treatment expenses
If you are undergoing treatment for Corona virus at home, then we cover medical expenses related to health monitoring, medicine costs up to 14 days.
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
Transfer from home to hospital or hospital to home in an ambulance is also covered. We pay ₹2000 per hospitalization.
Diagnostic expenses
Hospitalization for for diagnostics and evaluation purposes, which are not related or not incidental to the current diagnosis and treatment.
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
Expenses incurred for buying medicine without a prescription by Doctor is not covered.
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
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
Medical expenses due to OPD treatments or day care procedures will not get covered.
Vaccination
Any expenses incurred in respect of inoculations, vaccinations or other preventive treatment shall not be covered.
Diagnosis outside India
We do not cover medical expenses for treatment taken outside the geographical limits of the country.
Unauthorized testing
Testing done at a Diagnostic center 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 up to 15 days.
How does it Work?
If you are hospitalized and undergoing treatment for Corona virus and you have taken a sum insured of 1 lac. In that case, we will pay you 0.5% of your sum insured everyday up to 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.
1. Will this policy cover my medical treatment expenses as well?
No, this policy is meant for covering Corona virus hospitalization treatment only. If you wish to get yourself insured against other possible ailments you can explore our other health insurance plans
2. Do I have an option to pay premium in installments?
No, you cannot pay premium for Corona Kavach in installments. However, there are other comprehensive health insurance plans offered by HDFC ERGO, which give installment payment benefit.
3. What is the entry age criteria?
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..
4. What is the eligibility criterion for buying Corona Kavach Policy?
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.
5. What is the process to raise a claim for Corona Kavach Policy?
You can opt for the cashless claim at a network hospital or go for reimbursement claims at non-network hospitals.
6. Will this policy cover home quarantine expenses or hospital quarantine expenses?
This policy covers hospitalization expenses or home care treatment expenses after an insured is found to be Corona virus positive. Hence, mere quarantine expenses shall not be covered.
7. Does Corona Kavach Policy cover medical check-up expenses?
Yes, this standard health insurance plan covers health-check up or diagnosis expenses for Corona virus only for positive cases.
8.What are the sum insured options available under Corona Kavach Policy?
The Sum insured options for Corona Kavach Policy are ₹ 50,000, 1,1.5, 2, 3.5, 4, 4.5, & 5 lacs.
9. Can I buy it for my family members?
You can buy Corona Kavach Policy for yourself, your family i.e your spouse, kids, parents and in-laws.
10. What is the policy tenure for Corona Kavach policy?
You can buy it for 3.5 months, 6.5 months, 9.5 months ie 105 days, 195 days & 285 days respectively.
11. What is the maximum entry age to buy this product?
The maximum entry age to buy this product is 65 years.
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