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What is the Corona Kavach Policy?
As the name suggests, the Corona Kavach Policy is a standard health insurance policy that has been created specifically to cater to the requirement of health insurance for coronavirus. The aim of this coronavirus health insurance is to extend the protection of insurance to as many people as possible, so that we can fight this pandemic together as a nation. Since this is a standard policy, the coverages as well as terms & conditions for the Corona Kavach health insurance remain the same across different companies.
In other words, with the Corona Kavach cover you can go ahead and prepare yourself financially for facing the coronavirus crisis without worrying about comparing different policies. With this straightforward and clear COVID-19 health insurance, you can secure yourself & your family.
Need for Health Insurance Amid COVID-19 Outbreak
Not much needs to be said about the chaos & panic that the coronavirus outbreak has caused all over the world. It has led to a huge loss of life, and brought entire countries to a standstill. While we are all still trying to fight this pandemic, if one thing has become clear, it is the need for a good health insurance policy. Want to know why health insurance for coronavirus, and especially the Corona Kavach policy, is important? Read on!
Coronavirus has proved to be quite world traveller, spreading quickly and affection millions of people. The lockdown and erstwhile measures surely helped in slowing the virus down. But as we are all emerging from the lockdown, we need to be aware that the virus is a lot closer to us than what we think.
We all now know that we need to maintain hygiene and practice social distancing to avoid coming in contact with the virus. But no method is 100% fool-proof. In fact, a report by CDDEP (US based Center for Disease, Dynamics & Economic Policy predicted that India’s cases could be in the range of 55-138 Crores by September 2020. And that is where a coronavirus insurance policy can be your biggest weapon to battle the disease.
With the unpredictable nature of the SARS-COV-2 virus, and the rising costs needs to battle it, the Corona Kavach health insurance can truly be your knight in shining armour, in the worst case scenario that you test positive for coronavirus.
Key Features of Corona Kavach Policy
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Individual & Family Floater optionsWith the Corona Kavach policy you have the option of choosing a separate sum insured for each member of your family. If you want to cover your entire family in one cover, the Corona Kavach policy offers that option as well.
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Minimal Waiting Periods
With the Corona Kavach cover, you don’t have long waiting periods, unlike traditional health insurance policies. This COVID-19 health insurance has a waiting period of just 15 days since the inception of the policy.
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Multiple Sum insured options
You have a range of sum insured options to choose from between INR 50,000 to INR 5 Lakhs, in multiples of 50,000
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Nominal Sub-limits
The Corona Kavach policy only has very few, and reasonable sub-limits, in the form of a capping on the no. of days covered per incident. This number is purely on the basis of the average duration taken for recovery for coronavirus patients, which is around 15 days. There is also a sub-limit on the optional cover of Hospital Cash, which is based on a percentage of the sum insured you’ve opted for.
Other than these, there are pretty much no other sub-limits to the Corona Kavach cover!
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Extensive Eligibility
If you’re wondering who is eligible to buy the Corona Kavach cover, here’s you’re answer – anyone between the ages of 18 to 65! If you’re looking to cover your family, along with yourself, here’s who can be covered under the Corona Kavach health insurance:
- Your spouse
- Your parents/parents in-law
- Your children (between the ages of 1 day to 25 years)
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Cover for Room Rent
The Corona Kavach policy offers coverage for the room rent expenses as well, in case you are hospitalized because of being tested positive for Coronavirus.
EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT
The true test of any coronavirus health insurance policy is at the time of a claim. With the Corona Kavach, especially, the ease of claim settlement can be the differentiating factor, and that is exactly why you should choose to buy a Corona Kavach from Bajaj Allianz General Insurance. We offer an absolutely seamless claims experience, with both online and offline options available to you.
Read on as we take you through some quick and easy steps for settling your coronavirus health insurance policy claims.
Remember, in case of either type of claim, don’t forget to inform us, your insurance Company so we can guide you through the complete process.
At Bajaj Allianz General Insurance Company, we have a vast tie-up of network hospitals across India. What this means for you is the ability to avail cashless claims while getting treated at these hospitals under the Corona Kavach health insurance.
In case of a cashless claim against your coronavirus health insurance policy, here’s how it works:
STEP 1: Intimation
You need to approach a Bajaj Allianz Network Hospital, who will verify your details and send it ahead to us for authorization
STEP 2: Authorization
Once we receive the necessary information from the hospital, we’ll go through the details and approve your claim, if it is admissible, within a day. We may get back to the hospital in case of certain queries, and once those queries are resolved satisfactorily, we will go ahead and send an authorization letter to them within 7 days.
STEP 3: Treatment
Once your authorization is in place, all you need to do is get admitted, get treated and get better soon. We’ll take over the headache of coordinating with the hospital and clearing all the necessary medical bills and costs!
Simple right?
If, for some reason you are unable to access a Bajaj Allianz network hospital, you’ll have to opt for the reimbursement process for claiming your coronavirus health insurance policy. In this case, you’ll have to pay the hospital for the medical expenses, and once you claim is approved, you’ll received a reimbursement for it from us.
Here are some important points to remember to make your reimbursement claim process smooth-sailing:
- Make sure you collect and safely store all the original medical bills and receipts you want to claim
- You need to send all these bills to us with a duly completed claim form
- You can either upload these documents online using our Caringly Yours App, or send them via courier to our in-house claim processing unit – HAT (Health Administration Team)
Once we receive your claim, we’ll quickly go through the documents & details to make sure everything is in order. If some important documents are left to be sent, don’t worry. We’ll let you know so you can provide the same, we’ll even send you three reminders spaced over 30 days. You can send us the deficient documents within this time, and we’ll take the process ahead accordingly.
Documents needed for processing a claim
To make the claim process even easier for you, we’ve compiled a comprehensive list of documents you’ll need:
For Hospitalization claims:
- A fully filled and signed Claim Form
- A copy of your passport/photo Identity proof (in case you don’t have a passport)
- Medical practitioner's prescription advising admission
- Original bills with itemized break-up
- Payment receipts
- Discharge summary including complete medical history of the patient along with other details.
- Investigation reports including your test reports from Authorized diagnostic centre for COVID
- OT notes or Surgeon's certificate giving details of the operation performed, wherever applicable
- Sticker/Invoice of the Implants, wherever applicable.
- NEFT Details (to enable direct credit of claim amount into bank account) and cancelled cheque.
- (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines
- Legal heir/succession certificate, wherever applicable
- A fully filled and signed Claim Form
- A copy of your passport/photo Identity proof (in case you don’t have a passport)
- Medical practitioner's prescription advising admission
- A certificate from medical practitioner advising treatment at home or your consent on availing home care benefit
- Discharge Certificate from the medical practitioner specifying date of start and completion of home care treatment
- Daily monitoring chart (including records of treatment administered duly signed by the treating doctor)
In some cases, we may require certain other relevant document as well, which we’ll inform you on a case-to-case basis.
For Home Treatment claims:
Our happy customers!
VIKRAM ANIL KUMAR
I am truly delighted at the cooperation you have extended to me in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.
PRITHBI SINGH MIYAN
Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's
AMAGOND VITTAPPA ARAKERI
Excellence service by Bajaj Allianz, hassle free service, friendly site to customers, easy and simple to understand and operate. Thanks to the team for serving customers with all the happiness and pleasure...
Benefits Offered Under Bajaj Allianz Health Insurance Plans
The Bajaj Allianz Health Insurance plan, Covid Kavach, is extremely beneficial to anyone who wants to be completely prepared to face the pandemic. What makes it unique is the coverage that this health insurance policy has been specifically designed to cover the COVID-19 pandemic. Hence, the policy will cover all the major medical requirements & eventualities that may be associated with a coronavirus positive case, which your regular health insurance may not cover.
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Don’t wait for a medical emergency to knock on your door!
Get a QuoteCorona Kavach Policy Coverage
When it comes to the treatment for Coronavirus, a patient can either be hospitalized or put under home quarantine, where the treatment takes place in their home. Under the Corona Kavach policy, you are covered for these two main courses of treatment for coronavirus. Read on to know more about what all comes under the Corona Kavach cover:COVID Hospitalization Cover
This cover under the Corona Kavach Health Insurance compensates you for the expenses that you will incur in case you are hospitalized for the treatment of coronavirus. Read more
COVID Hospitalization Cover
This cover under the Corona Kavach Health Insurance compensates you for the expenses that you will incur in case you are hospitalized for the treatment of coronavirus. Here’s what all is covered under this section:
- Room rent, Boarding, Nursing expenses (as provided by the Hospital)
- ICU/ICCU (Intensive Care Unit/Intensive Cardiac Care Unit) expenses, in case you need to be admitted into the same
- Fees paid directly to a doctor or the hospital for availing the services of a Surgeon, Anaesthetist, Medical Practitioner, Consultants or a Specialist
- Anaesthesia costs, blood/oxygen/operation theatre charges, charges for surgical appliances, ventilator charges, costs towards medicines and drugs, costs towards diagnostics/diagnostic imaging modalities, the cost for a PPE Kit/gloves/masks and such similar other expenses
- Road Ambulance charges for the transportation, in case of a COVID related hospitalization, up to INR 2000
In order for the cover to kick-in, you need to be hospitalized for a continuous period of at least 24 hours.
Home Care Treatment Expenses Cover
If your test from a Government Authorized diagnostic Centre comes out positive, and you need to avail the treatment of the same in your home instead of a hospital, the Corona Kavach policy covers that as well. Read more
Home Care Treatment Expenses Cover
If your test from a Government Authorized diagnostic Centre comes out positive, and you need to avail the treatment of the same in your home instead of a hospital, the Corona Kavach policy covers that as well. For this cover to come into force, there are a few stipulations:
- The home treatment needs to be at the advice of a medical practitioner
- There needs to be an active line of treatment that is availed, with daily monitoring of health status by a medical practitioner
If you meet these two conditions, and will be able to maintain and provide a daily chart including a record of the treatment administered, signed off by the treating doctor, then the Corona Kavach cover is applicable to you.
Here’s a list of what is covered under the Home Care Treatment Expenses cover of this coronavirus health insurance:
- Costs of diagnostic tests undergone
- Cost of medicines prescribed in writing
- Fees paid as consultation charges to the medical practitioner
- Nursing charges, paid to the related to medical staff
- Charges for medical procedures limited to parenteral administration of medicines
- Cost of Pulse oximeter, Oxygen cylinder and Nebulizer
AYUSH Treatment Cover
If regular hospitals are not your cup of tea, and you choose to seek care for COVID-19 in the form of Ayurveda, Yoga and Naturopathy, Unani, Siddha or Homepathy, the Corona Kavach cover has got your back. Read more
AYUSH Treatment Cover
If regular hospitals are not your cup of tea, and you choose to seek care for COVID-19 in the form of Ayurveda, Yoga and Naturopathy, Unani, Siddha or Homepathy, the Corona Kavach cover has got your back. If you choose to get yourself admitted for testing positive for coronavirus at any AYUSH hospital, you can avail this section of the Corona Kavach policy.
Pre & Post Hospitalization cover
With the Corona Kavach policy, we are with you not just during, but before and after your hospitalization. The Corona Kavach health insurance comes covers your for pre-hospitalization medical expenses for up to 15 days, and post-hospitalization treatment for up to 30 days.
Coverage for Comorbid Conditions Under Corona Kavach Policy
When it comes to Coronavirus, you may have come across the term ‘comorbidity’ associated with it many times. In fact, it is this comorbidity factor that makes this disease deadlier for the older generation,
So what is comorbidity? In the simplest of terms, comorbidity refers to the existence of more than one disease in the same patient. For example, if someone has diabetes and a heart-condition, it would fall under the comorbidity term. Similarly, in case of coronavirus, comorbidity refers to a scenario where the patient infected by SARS-COV-2 also has another condition like respiratory illness or a heart condition.
Comorbidities are more common than you would expect, and it is essential to treat these along with coronavirus. That’s why this health insurance for coronavirus covers comorbidities as well.
Optional Add-On Cover
Over & above the base coverage of the policy, The Corona Kavach health insurance policy also gives you the option for choosing an add-on cover for Hospital Cash. This add-on cover is a benefit cover which entitles you to 0.5% of your sum insured for every day of hospitalization.
Since this is a benefit add-on cover, there are no bills or receipts required. You’ll get your due amount under this cover, provided your base claim is admissible.
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Set Renewal Reminder
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Corona Kavach Policy vs Standard Health Insurance
| Your Requirement | Corona Kavach | Standard Health Insurance Policy |
|---|---|---|
| What is covered | Only COVID-19 treatment | Covers all illnesses including COVID-19 |
| Sum Insured | INR 50,000 till 5,00,000 | INR 50,000 till 50,00,000 |
| Cover for your Family | Yes | Yes |
| Maximum Entry age limit | 65 Years | 70 Years (for Senior Citizen plan) |
| Coverage against COVID | Only for COVID | Covers COVID along with other illnesses |
| Lifetime Renewability | Not applicable | Available |
| Policy Term | 3.5/6.5/9.5 months | Minimum 1 year to maximum 3 years |
| PPE Kit Expenses | Covered | Not covered |
| Waiting period | 15 days | Minimum 30 days |
| Pre-existing disease | Not covered | Covered after a certain waiting period |
| Pre-policy medicals | Not applicable | Applicable |
| Premium payment term | Single | Instalment option available |
LET'S SIMPLIFY CORONA KAVACH POLICY
What is the waiting period under the Corona Kavach Policy?
The waiting period under the Corona Kavach Policy is 15 days from the inception of the policy.
Are expenses for PPE kits, gloves, oxygen covered under Corona Kavach cover?
Yes, these are certainly covered under the Corona Kavach policy, provided your claim is admissible.
Who is eligible to buy the Corona Kavach cover?
If you’re between the ages of 18 to 65, the Corona Kavach cover can be purchased by you!
What is a comorbidity?
A comorbidity is a medical term for when more than one disease exist simultaneous in the same patient. For example, if someone has both diabetes & heart disease it will be a case of comorbidity.
Are pre-existing comorbid conditions covered under the Corona Kavach cover?
Proposals with any health declaration will be referred for UW decision.
Will I be covered for home treatment expenses due to COVID-19?
Yes. If your doctor advises you to undergo treatment for COVID-19 at your home, and you can produce a daily monitoring charts of the treatment provided, signed by your medical practitioner, you can certainly claim for home treatment expenses due to COVID-19, under the Corona Kavach cover.
Can I add my family members under this policy?
Yes. Corona Kavach policy also has a family floater option under which you can cover your spouse, parents, parents-in-law and dependent children (up to the age of 25 years) in a single policy.
What are the sublimits under the Corona Kavach cover?
There are no major sub-limits, except in terms of time duration, for the base cover of the Corona Kavach health insurance. For the Hospital cash add-on cover, the sub-limit is 0.5% of the sum insured.
Are healthcare workers eligible for a concession under Corona Kavach Policy?
Yes! Healthcare workers get a 5% discount
Can I pay the premium in instalments?
Unfortunately, you cannot pay the premium for Corona Kavach policy in instalments.
Why do I need a Coronavirus insurance cover?
The spread of coronavirus has been unprecedented and despite all safety precautions, you may end up contracting the disease, as the lockdown opens up more & more. The treatment for this disease, in case you have to be hospitalized could go up to several lakhs, depending on the severity and where you choose to get treated. Hence, it is essential that you get yourself a Coronavirus insurance cover, as this can prove to be invaluable in such an emergency situation.
Why should I buy the Corona Kavach Policy?
The Corona Kavach policy is a standard health insurance for coronavirus. What this means is that this is a coronavirus insurance policy that offers the same coverage across different companies.
This COVID-19 health insurance policy has been created to cater specifically to the medical needs arising from a coronavirus hospitalization. And since prevention is better than cure, you should get yourself this unique health insurance policy as a safety measure in case of an unfortunate positive diagnosis in the future.
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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