What is Corona Kavach Policy?
Novel Coronavirus outbreak is spreading fast in the nation. Ensuring Quality healthcare and prompt medical treatment is what we need the most, right now. Hence, (Insurance Regulatory and Development Authority of India (IRDAI) has announced the launch of Corona Kavach Policy. All General & Standalone health insurance companies in India are obliged to offer this policy to its customers.
Corona Kavach policy will cover hospitalisation, pre-post hospitalisation, home health care procedures and treatment taken under AYUSH benefit 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 Coronavirus Pandemic.
With this standard health insurance plan for Coronavirus you get access to the quality medical treatments, without paying out of your own pocket.
What is covered?
COVID Hospitalization Expenses
The Hospitalization expenses incurred by the insured person for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre. This will include:
- Room, Boarding, Nursing Expenses at the Hospital / Nursing Home.
- Doctor’s Consultation fees.
- PPE kit costs.
- Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
- Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization.
Home Care Treatment Expenses
If your doctor (registered medical practitioner only) advices you to undergo treatment at home, costs of treatment of COVID incurred by you will be covered for maximum up to 14 days.
Take treatment from AYUSH systems of medicine for the treatment of Covid in a government authorized diagnostic centre, if you prefer. We will cover your expenses up to the Sum Insured without any sub-limits.
Pre-Hospitalization medical expenses
Expenses like costs of diagnosis of Covid-19, if incurred in the period of 15 days prior to the date of hospitalization/home care treatment shall be covered.
Post-Hospitalization medical expenses
Follow-up care resulting in expenses in the period of 30 days from the date of discharge from the hospital/completion of home care treatment, shall be covered.
Hospital Daily Cash
You will get daily cash of up to 2,500 INR for up to 15 days of continuous hospitalization for treatment of Covid-19.