Corona Kavach Policy


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Product NameCorona Kavach Policy, HDFC ERGO Health
Policy TypeIndividualFloater Sum Insured Basis

Treatment expenses incurred in India due to Corona (Covid-19).

  •  Indemnity Cover – Hospitalisation costs
  •  Home care treatment expenses
  •  AYUSH treatment
  •  Pre & Post Hospitalisation
  •  Benefit Cover – Hospital Daily Cash
Eligibility Criteria18 to 65 years
Sum Insured50,000 to 5 Lacs
Policy Duration

3.5 months (105 days)

6.5 months (195 days)

9.5 months (285 days)

Waiting Period15 days
Hospital Daily Cash (Optional)Up to 2,500 daily for up to 15 days

Note: In case the insured intends to avail the services of non-network provider, claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before availing such services. Insurer shall respond to approval request within 2 hrs of receiving the last necessary requirement.


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?
  • corona-expenses
    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
    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.

  • ayush
    AYUSH Treatment

    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
    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-hospitalisation
    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.


    Optional cover
    • hospital-cash
      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.

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