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What’s in it for you?
Covers the COVID-19 pandemic
Covers extended for Family. It includes Self, Spouse, Parents, in-laws & dependent children.
Multiple sum insured options from 50,000 to 5 lakhs
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 health insurance policies. With this straightforward and clear COVID-19 health insurance, you can secure yourself & your family.
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.
Our Individual Health Insurance policy features provide a holistic health insurance solution.
Read on to know more about our individual medical insurance policy and its key features.
Individual & Family Floater options
With 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.
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.
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
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!
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:
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.
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:
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:
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:
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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.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
Don’t wait for a medical emergency to knock on your door!
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:
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:
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:
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.
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.
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.
If you’re a healthcare worker, you can get a 5% discount
Expenses of PPE kits, Gloves and Oxygen
The Corona Kavach policy covers the cost of PPE kits, Gloves and Oxygen, when your claim is admissible under Covid Hospitalization Expenses.
Pre & Post Hospitalization cover
Covers pre-hospitalization medical expenses for up to 15 days, and post-hospitalization treatment for up to 30 days
AYUSH Treatment Cover
This policy also covers expenses for AYUSH hospitalization for the treatment of a COVID-19 positive case
While almost everything related to a coronavirus health insurance claim is admissible in this Corona Kavach policy, there are some things that fall under exclusions.
Read moreWhile almost everything related to a coronavirus health insurance claim is admissible in this Corona Kavach policy, there are some things that fall under exclusions. Do go through them once, to avoid disappointments or unpleasant surprises when you do need to file a claim.
Here’s a list of exclusions under the Corona Kavach health insurance:
Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date.
Any expenses incurred on Day Care treatment and OPD treatment
Diagnosis/Treatment outside the geographical limits of India
Testing done at a Diagnostic center which is not authorized by the Government shall not be recognized under this Policy
All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India
Testing done at a Diagnostic centre which is not authorized by the Government
Travel to any country placed under travel restriction by the Government of India makes you ineligible for a claim
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
| 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 |
The waiting period under the Corona Kavach Policy is 15 days from the inception of the policy.
Yes, these are certainly covered under the Corona Kavach policy, provided your claim is admissible.
If you’re between the ages of 18 to 65, the Corona Kavach cover can be purchased by you!
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.
Proposals with any health declaration will be referred for UW decision.
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.
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.
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.
Yes! Healthcare workers get a 5% discount
Unfortunately, you cannot pay the premium for Corona Kavach policy in instalments.
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.
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.
Written By: Bajaj Allianz - Updated: 10th May 2021
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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