Insurance

What Does Corona Kavach Health Insurance Policy Covers?

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Corona Kavach policy is a health insurance plan that covers medical expenses caused due to the treatment of the coronavirus. It is a standard health insurance plan that is specifically created to cover the medical costs arising due to the coronavirus.

Read on to know what Corona Kavach health insurance policy covers.

This pandemic has increased health concerns substantially. Therefore, it has become extremely crucial for every person to have financial security in case they get tested positive. The medical bills arising due to the treatment of the coronavirus can be very expensive. Thus, it is important to have sufficient funds in order to pay for the expenses. Hence, to provide financial assistance to people, the Insurance Regulatory and Development Authority of India (IRDAI) has launched Corona Kavach policy.

Corona Kavach policy will provide policyholders with financial help to pay for the medical expenses arising due to the coronavirus. It is a great option for people who want to protect themselves from huge medical expenses. Corona Kavach health insurance policy will reimburse the hospital bills of the policyholders up to the sum assured limit. This policy can be purchased for an individual as well as a family. Corona Kavach policy is offered in various sum assured options- Rs. 50,000, Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakhs, Rs. 3.5 Lakhs, Rs. 4 Lakhs, Rs. 4.5 Lakhs and Rs. 5 Lakhs.

What Corona Kavach Policy Covers?

Here are some benefits offered by Corona Kavach policy-

  • Hospitalisation Expenses

The bed-charges, blood tests, oxygen, nursing charges, PPE kits, and doctor consultation fees will get covered in thishealth insurance policy.

  • Pre-Hospitalisation Expenses

Pre-hospitalisation expenses such as doctor consultations, diagnosis, and check-ups are covered in this policy. Such expenses will be covered up to 15 days before hospitalisation.

  • Post-Hospitalisation Expenses

Medical expenses incurred up to 30 days after discharge can also be covered in this policy.

  • Home Care Treatment Expenses

In case a policyholder is getting medical treatment for the coronavirus at home, his/her medical expenses can be covered in this policy. Such expenses will be covered up to 14 days.

What Doesn’t Corona Kavach Policy Cover?

Below are a few things that Corona Kavach policy doesn’t cover-

  • Unproven Treatments

Expenses incurred due to unproven medical treatments will not be covered. This policy covers the medical treatment that is authorised by the government.

  • Day care Treatments

Expenses incurred due to day care procedures or OPD treatments will not be covered.

  • Unauthorised Test

If the testing of a person is done at a diagnostic centre that is not authorised by the government, then his/her expenses will not be covered.

  • Dietary Supplements

Expenses that arise due to the purchase of medicine without a doctor’s prescription will not be covered.

  • Vaccination

Any expenses that may arise due to vaccinations, inoculations, or other preventive treatment will not be covered.

Corona Kavach policy is a great option to get cover against medical expenses that might be incurred due to the coronavirus. Therefore, it is recommended that every person should consider purchasing this policy.

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