Policyholders are entitled to the benefits of policy on positive diagnosis of COVID-19 in a government authorized diagnostic centre and requiring hospitalization. Following are covered under the policy:

1. a) Base Cover: The following expenses are covered under the policy on indemnity basis.
   1. i. Covid Hospitalization Expenses
   2. ii. Home Care Treatment Expenses
   3. iii. Medical expenses towards Ayush Treatment
   4. iv. Pre-Hospitalization Medical Expenses
   5. v. Post-Hospitalization Medical Expenses
2. b) Optional Cover: The following optional cover shall be offered under the policy on benefit basis:
   1. i. Hospital Daily Cash- 0.5% of Sum Insured is payable for each 24 hours of continuous hospitalization subject to maximum of 15 days in a policy period for every insured member

Minimum entry age is 18 years and maximum age at entry shall be at least 65 years. Dependent Child / children shall be covered from Day 1 of age to 25 years.

Yes. “Corona Kavach Policy” is available on individual as well as family floater basis. Policy can be availed for self and the following family members

1. i. legally wedded spouse.
2. ii. Parents and Parents-in-law.
3. iii. Dependent Children (i.e. natural or legally adopted) between the day 1 of age to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible.

The “Corona Kavach Policy” is available with a policy term of three and half months (3 ½ months), six and half months (6 ½ months) and nine and half months (9 ½ months) including waiting period.

Yes. 15 days waiting period is applicable under the policy.

There is no limit under Room/ICU/ICCU under the Policy.

1. a) Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
2. b) Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.
3. c) Road Ambulance subject to a maximum of Rs.2000/- per hospitalization.

1. a) Hospital Daily Cash (Optional Cover): 0.5% of Sum Insured per day subject to maximum of 15 days in a policy period for every insured member
2. b) Home care treatment: Maximum up to 14 days per incident
3. c) Road Ambulance: Up to Rs.2000/- per hospitalization.

The total reimbursement under the policy shall not exceed the sum insured opted by the policyholder including the “Optional Cover-Hospital Daily Cash”.

No. Day care and OPD treatments are not covered under the Policy.

Yes. Expenses incurred on hospitalization under AYUSH systems of medicine will be covered.

The minimum sum insured available is Rs. 50,000 (Rupees Fifty Thousand) and maximum limit is Rs. 5, 00,000 (Rupees Five Lakh).

Single premium payment mode

Any claim relating to Covid 19 if it has been diagnosed prior to policy start date will not be admissible. However, during the course of treatment for Covid 19, the policy covers the cost of treatment for any comorbid conditions including pre-existing diseases.

The claim for Covid 19 will be processed allowing the expenses incurred on the treatment of Covid 19 and cost of treatment for any comorbidity during the course of treatment for Covid 19 as per terms and conditions of the policy.

Renewal, migration and portability are not mandated.

Subject to underwriting policy, ‘Corona Kavach’ policy may be renewed for further terms of three and half months (3 ½ months), six and half months (6 ½ months) or nine and half months (9 ½ months) as per the option exercised by the policyholder.Renewals, if any, may be done before the expiry of the existing policy contract

Where corona kavach policy is renewed, additional waiting period of 15 days shall not be applicable. Waiting period served in the previous policy is protected.

During renewal, sum insured may be allowed to be changed by the policyholder. However, waiting period of 15 days shall apply afresh for the enhanced sum insured.

Corona Kavach group policy waiting period served in corona kavach group policy shall be protected for covid 19 treatment.

Yes, Corona Kavach (individual) policy is permitted for portability from one insurer to another.

Yes. All Healthcare workers as defined in the corona kavach policy are entitled for a discount of 5% in the premium.