The global outbreak of the Covid 19 pandemic proved to be an eye-opener for many in several aspects. It not only proved the vulnerability of our health, but also the improper budget planning and financial portfolio maintained by the majority. Those who experienced Covid-related hospitalisation had to bear the expensive financial burden of treatment. This led to the introduction of the Corona Rakshak Policy.
Maintaining the IRDAI guidelines, almost all the insurance companies have introduced this plan. Along with Zuno General Insurance and Zuno Health Insurance, now we can also avail of the facilities of the Zuno Insurance Corona Rakshak Policy.
Among all the health insurance policies by Zuno, Zuno Corona Rakshak Plan deserves special mention. Zuno offers two types of Corona insurance plans. One is called the Corona Kavach Policy while the other one is Corona Rakshak Plan. In this article, we will highlight all the important aspects of the Corona Rakshak Policy.
Zuno Corona Rakshak plan helps the policyholders to offer coverage of all the medical costs incurred due to Covid-related hospitalisation of at least 72 hours in any government-recognised hospital. The sum insured is offered as a 100% lump sum payout of the entire sum insured.
Some of the most striking features of the Zuno Corona Rakshak Plan include the following:
One of the major advantages of this Corona Rakshak plan is that it offers a fixed benefit equivalent to the entire amount of sum insured which is payable during hospitalisation for being Covid affected. However, the term of this hospitalisation must be no less than continuous 72 hours. Depending on the circumstances, the lump sum payout can be utilised as per requirement. Once the payout is complete, the policy automatically ceases to exist. This policy aids in offering coverage for the deductions present in your existing health plan, like PPE kit charges, high room rent, etc. that generally do not fall under the purview of a standard health plan.
Unlike several other Corona Rakshak Plans, Zuno offers discounts on this plan. It offers a 5% family discount is offered when two or more family members are covered under the same plan under the individual plan variant. If the insured individual is an employee of the edelweiss Group, he/she may enjoy a 5% premium discount. Moreover, if you avail of this plan from the official website of Zuno, you will enjoy a 15% discount on the total premium amount.
Some of the major exclusions of Zuno Insurance Corona Rakshak Policy include:
When a claim is raised during Covid-related hospitalisation, provided that all the relevant protocols have been followed, you need to follow a particular procedure for settling your claim. The insured person needs to submit all the necessary documents within 30 days of discharge from the hospital. Depending on the circumstances, the company may raise this period up to 45 days. It solely depends on the discretion of the Edelweiss authorities to accept or reject a claim.
In order to settle a claim, you need to submit the following list of documents:
Just like you buy Zuno (Edelweiss) Health Insurance Plans, you buy Zuno Corona Rakshak plan too. You can simply visit the official website of Zuno and buy the plan, provided you meet all the relevant criteria. In case you have any ambiguity or difficulty, you can always visit the customer care support team for clarification.
A standard health plan may prove to be insufficient to cover Covid-related hospitalisation expenses. As Covid treatment requires special hygiene, care, isolation, and waste management that may prove to be difficult for a standard health plan to cope with. Moreover, most of the health plans come with a fixed room rent limit that may often get exceeded during hospitalisation. This excess amount needs to be borne by the insured individual. This possibility can be negated by the Corona Rakshak plan. Moreover, this plan does not require any pre-policy medical tests and offers a waiting period of only 15 days.
This article highlights the Zuno Insurance Corona Rakshak Policy. You can always supplement your existing health plan with a Corona Rakshak Plan from Zuno, especially considering the discount factor as offered exclusively by this company. This Covid specific coverage helps in taking better care of unprecedented Covid related expenses.
