Corona Kavach Policy

To combat the threat of the covid 19, there are special plans curated to secure you in your time of need. Among the coronavirus insurance plans is the Corona Kavach Policy, designed to provide financial support for medical expenses arising due to this infectious disease. The launch of Corona Kavach Policy was carried out by the Insurance Regulatory and Development Authority of India (IRDAI). They have also made it mandatory for all General & Standalone health insurance companies in India to offer this policy to its customers.

The coverage of the Corona Kavach Policy includes support for hospitalisation, pre-post hospitalisation, home care treatment expenses and AYUSH treatment in case anyone is tested positive of COVID-19 infection. You can buy the Corona Kavach Policy online at Coverfox, where you can find plans from over 40 insurance providers and select which Corona Kavach policy is best for your needs.

In the span of a year, our lives have changed drastically. This disease has affected everyone across the world without mercy, and has pushed us to our limits, mentally, physically, and financially. This period has made one thing very clear - you can’t ignore your health. Buying, or updating your health insurance policy is the way to financially secure your loved ones in your time of need. But this is just the tip of the iceberg. With the disease running rampant, getting Covid 19 insurance is the natural next step. Some of the reasons why getting a coronavirus health insurance policy for you and your loved ones is a good idea include:

1). One Time Payment

You don’t have to deal with the fuss of monthly, quarterly or annual payments when you buy a coronavirus health insurance policy. Corona Kavach policy premium is a one-time payment at the time of your policy purchase. This single purchase enables you to get your health coverage to secure you in your time of need.

2). Waiting Period Is Minimal

One of the major benefits of buying Covid 19 insurance is the minimal waiting period. You can avail the Corona Kavach policy coverage in just 15-days.

3). Protection For Those Without Medicare

For those who don’t currently have an active health insurance policy, getting the Corona Kavach is a great idea, considering the benefits it offers at an affordable rate and with a short waiting period.

4). Affordable Premium

The Corona Kavach Policy is designed to provide inclusive coverage to secure you and loved ones in your time of need. The benefits included in this type of health insurance policy include:

All costs arising from purchase of PPE kit, masks, gloves, oxygen, diagnostics, and ventilator fees are covered under the Corona Kavach policy

• This Covid 19 insurance also covers expenses arising from admittance to the ICU
• You can avail road ambulance charges of up to Rs. 2,000
• This policy covers room rents and nursing charges
• This type of coronavirus insurance covers home care treatment of up to 14 days
• Coverage for AYUSH treatment.
• You will get coverage for pre-medical expenses before 15 days of hospitalisation and post-medical expenses after 30 days. Diagnostic charges are also covered in this plan
• You also have the option to choose to take the optional Daily Cash cover included in the Corona Kavach policy. With this, you will get 0.5% of the sum insured per day for up to a maximum of 15 days during hospitalisation.
• The policy terms in this Covid 19 insurance plan are highly flexible, lasting of 3.5, 6.5, and 9.5 months

With the threat of Covid 19 still at large, now more than ever it is crucial for you to surround yourself with security provided by experts. And that is exactly what you will find at Coverfox. Our team of insurance experts make use of customized algorithms to find you a health insurance policy that meets all your requirements. Some of the other reasons why you should trust Coverfox with your coronavirus policy needs include:

• Intuitive Insurance Algorithms
• Our Team Of Insurance Experts
• Claim Settlement Support

• Hospitalisation Costs The Corona Kavach policy covers bed-charges, nursing charges, blood tests, PPE kits, oxygen, ICU, and Doctor consultation fees.
• Pre-hospitalisation Costs There are costs that arise before hospitalization like doctor consultations, check-ups and diagnosis. The Corona Kavach policy covers such expenses 15 days before hospitalization. The costs of diagnostics are also covered in this coronavirus health insurance.
• Post-hospitalisation Costs With the Corona Kavach policy, you get cover for any medical expenses that take place until 30 days after discharge from the hospital.
• Home Care Treatment Cover For those who are undergoing treatment for Coronavirus at home, the Corona Kavach policy provides coverage for any costs related to health monitoring and other medicine costs upto 14 days.
• AYUSH Treatment (Non-Allopathic) This Covid 19 insurance plan also covers alternative treatment options like Ayurveda, Unnani, Sidha and Homeopathy treatment.
• Cover For Road Ambulance For your convenience, this plan also has arrangements to cover your travel to and from the hospital. That is why there is a ₹2000 cover provided for usage of road ambulances.

• Unrelated Diagnostic Expenses Any costs arising from hospitalisation for diagnostics and evaluations, that are unrelated to Covid 19 diagnosis and treatment are not covered in the plan.
• Rehabilitation & Cure Any costs arising from bed rest, custodial care at home or nursing facility by both skilled and unskilled staff will not be covered in this policy.
• Dietary Supplements Costs arising from buying any medication without a prescription by a Doctor will not be covered in this type of health insurance policy.
• Unproven Treatments The Corona Kavach policy does not cover any costs arising from any unproven treatment, services and supplies that do not have the required medical documentation to support their effectiveness.
• Biological War As this plan is only related to Covid 19, this health insurance plan will not provide coverage for any claims that are caused due to wars.
• Day care treatments Any costs arising from OPD treatments or day care procedures will not be covered.
• Vaccination Costs arising from inoculations, vaccinations or other preventive treatment are not covered in this plan.
• Diagnosis outside India Any costs arising from medical treatment outside the country will not be covered in this coronavirus insurance policy.
• Unauthorized testing Any testing that is conducted at a Diagnostic centre that is not authorized by the Government shall not be recognized under this plan.

1). Complete Protection In One Affordable Premium

You can get cover for your entire family under a single sum insured of up to Rs. 5 lacs. Additionally, this is a one-time payment that secures your family in one plan.

2). Coverage For Up To 6 Family Members In One Plan

Anyone between 18 to 65 years of age can take Corona Kavach family floater policy for himself/herself/themself, spouse, parents, parents-in-law and dependent children between the day 1 of age to 25 years.

1). Great Coverage

To keep up with your medical needs and preferences, the Corona Kavach Individual plan offers a sum insured of up to 5 lacs.

2). Coverage for Senior Citizens and Parents

The older generation is at a higher risk of contracting this disease. That is why it is advisable to get an individual policy for them as per their individual needs.

1). Cover

The coverage of the Corona Kavach policy extends only to medical costs associated with treatment of Covid-19. On the other hand, a regular health insurance policy covers a wide range of illnesses in addition to covering expenses towards the treatment for coronavirus.

2). Opt For Alternate Treatments

One of the main advantages of getting the Corona Kavach policy is that it also covers alternative treatments like Ayurveda, Unaani, Siddha and Homeopathy as well. In regular health insurance policies, this provision is only available in selected health protection plans. Most plans do not cover alternative treatments.

3). Floater advantages

Another advantage of the Corona Kavach policy is that it acts as an indemnity plan that bears the expenses for the treatment of coronavirus for yourself and your family.

4). Provision For Renewability

The Corona Kavach policy offers flexible policy terms and short-term benefits that you can get with a one-time payment. On the other hand, a regular health insurance policy will provide long-term benefits and require renewal at fixed intervals.

5). Minimal Waiting Period

The waiting period for Corona Kavach policy is lesser compared to other plans. You can avail the benefits of your Covid 19 insurance in 15 days. Generally, a regular health insurance policy has a standard waiting period of 30 days or more based on that specific plan’s terms and conditions.

Buying coronavirus health insurance can be hassle-free if you approach the right channel. Having said this, Coverfox.com provides your choice in tech-enabled platforms like our website and our Coverfox App. Here you can compare all available plans from over 40 insurance providers and determine which corona kavach policy is best for your needs. You also have the advantage of getting expert advice, along with an informed, unbiased opinion that will clear all your doubts and help you buy the perfect plan. Moreover, enjoy the attention of a service manager who will assist you with all your post-sale requirements- from health insurance claims processing to renewals!

Now buy coronavirus insurance online in no time from Coverfox. To get started, here are the steps to buy a corona kavach policy:

• Step 1 Visit the health insurance website page and download the Coverfox App.
• Step 2: First select gender (Male/Female) and enter your full name
• Step 3: Feed in your correct phone number, and then click on view plans and select your age
• Step 4: Now click on continue and enter your city where you are living in along with the pin code
• Step 5: Select Yes or No if you take any medications
• Step 6: Choose the best corona kavach policy from the options that are displayed.
• Step 7: Now select and compare the different coronavirus insurance plans on Coverfox. You can also choose the personalized plans options
• Step 8: Once you select the plan, you can pay the premium or speak to our customer care representative to take you through different options
• Step 9: Do make an informed decision and pay the premium. Once all the steps are done, the policy will be emailed on your registered email-id

The claim process for the Corona Kavach policy is similar to that of a general health insurance policy. The steps are as given below:

• Step 1: - Inform the insurance provider when the claim arises. The claim initiation window depends on the type of hospitalization - planned or emergency; which is 72 and 24 hours respectively.
• Step 2: - In case of a cashless claim, you need to present the insurance company with a pre-authorization letter. In case of reimbursement, you need to pay the bill first and claim the money from your provider after.
• Step 3: - Upon your claim’s approval, the insurance company will settle the bill directly with the hospital or reimburse your expenses as per the policy conditions.

You can cancel your Corono Kavach policy on the basis of it not meeting specific requirements or if you don’t find it satisfactory in terms of coverage. But it needs to be done in 15 days after purchase of your coronavirus insurance policy. Your premiums will be adjusted as per the prevailing norms of the IRDAI.

On the other hand, the insurance provider can cancel your policy at any time if it is being done on the basis of misleading information, false medical history, fraud, claiming the policy through falsified documentation and others. In this case, there will be no refund provided to you.