COVID-19 has had a serious impact on our lifestyle, work life, and career. While things are slowly getting back on track, it has never been more important to have a substantial health insurance policy specifically tailored to serve those suffering from the coronavirus. That is where the Raheja QBE Corona Kavach Policy steps in with some of the best hospitalisation coverage plans. The plan is available for individuals as well as family members and works like other indemnity-based health insurance policies by Raheja QBE. The sum insured price starts from INR 50,000 and can go up to INR 5,00,000. Let us discuss more details about this policy.
Rajeha QBE Kavach Policy is the first of its kind coronavirus protection plan that takes care of hospitalisation expenses and works like any other health insurance plan works. However, it will not be applicable for other diseases or treatments and just for the ones that come under the Covid-19 umbrella. Corona Kavach Policy is one of the best ways to prepare yourself and as well as your family against the high-cost disease. The policyholder can add their parents and spouse to the plan as well.
Policy Tenure: 3 ½ months, 6 ½ months and 9 ½ months
Type of Policy: Available as: Family Floater & Individual Basis
Medical Check-Up: Not required up to the age 50 years
Sum Insured: INR 50,000 lakh to INR 5 lakhs
Age Eligibility: Applicant should be between 18 years to 65 years
AYUSH Treatment: Fully covered
Before applying for this policy, you must check the eligibility criteria. The main eligibility criteria that are required to fulfil are
The applicant should be between 18 to 65 years of age
One can include family members in this plan, such as their spouse, parents and parents-in-law, and natural or legally adopted children who are within the age group of 3 months to 25 years.
The Corona Kavach policy from Raheja QBE Health Insurance is a covid-specific health insurance policy that comes with a wide range of benefits:
Wide coverage: The plan provides a sum insured of INR 50,000 to 5 lakh, and the coverage may differ in sub-limits depending upon the sum insured chosen. However, the following features are usually covered.
Pre-hospitalisation benefits: Expenses incurred until 15 days before hospitalisation are covered and include the cost of diagnosis for COVID-19.
Post-hospitalisation benefits: All the expenses that have been incurred will be covered by the plan only till 30 days from the date of discharge from the hospital. The expenses can be covered if the patient is under doctor-prescribed home care treatment.
Ayush treatment coverage: Many patients prefer taking alternate methods of treatment such as Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homoeopathy. Raheja QBE Corona Kavach Policy will cover the cost of such treatments.
Home care treatment benefits: If someone is advised to undertake home treatment, then the cost incurred during the procedure, such as medical bills, medical attendant/ nurse expenses, etc., will also be covered by the policy.
Before enrolling on the medical program, it is also important to understand what costs will not be covered by the insurance policy.
Respite care and rehabilitation expenses
The policy will be void if there is a breach of law from the side of the policyholder
Any diagnosis or treatment outside the country
Any unproven treatments are undertaken by the patient
Any claim for COVID-19 that states that diagnosis was made before the start of the policy date
Any daycare treatment and OPD treatment expenses
The government prohibits any testing that was done in a diagnostic centre.
The Corona Kavach Policy is one of the finest Raheja QBE Health Insurance plans and is tailored to meet all possible requirements of patients suffering from COVID-19. Raheja QBE General Insurance Company has a network of more than 5000 hospitals, so in your time of need, you can avail good medical care at a nearby hospital.
There are many medical policies out there. However, not all of them are tailored to meet the specific needs of a patient suffering from the COVID-19 virus. Corona Kavach is a health insurance policy by Raheja QBE and is built to meet the needs of those suffering from Coronavirus. It will be a good choice to select this policy, and with its wide range of coverage can be claimed to be one of the best things for Covid-19 victims.
Yes, cashless treatment is available under this plan. Raheja QBE will insure the cost of treatment as per the policy terms and conditions of the policy, where payments will be made to the network provider by the insurer.
The policyholder will have to provide all the details pertaining to any existing illness before purchasing this policy. If the individual applying for the plan is currently COVID positive, then he/ she will not be eligible for the insurance.
