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Health Insurance

Corona Kavach Policy

HealthGuard

Key Features

COVID-19 specific health insurance for you

Coverage Highlights

Covers the COVID-19 pandemic
  • 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.

  • 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)

  • 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.

Inclusions

What’s covered?
  • 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

Exclusions

What’s not covered?
  • While almost everything related to a coronavirus health insurance claim is admissible in this Coron

  • 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 recognize

  • All covers under this Policy shall cease if the Insured Person travels to any country placed under t

  • 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 ineligibl

Additional Covers

What else can you get?
  • 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.

  • 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 practitionerThere needs to be an active line of treatment that is

  • 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.

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 health insurance policies. With this straightforward and clear COVID-19 health insurance, you can secure yourself & your family.

Benefits You Deserve

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Wide coverage

Choose your coverage as per your requirement

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Wellness Discount

Stay fit during the policy year and enjoy 12.5% discount on renewal

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Reinstatement Benefits

Unlimited reinstatement of the sum insured upto 100% SI after its depletion

What is Covid 19 or Coronavirus?

COVID-19, also known as coronavirus, is a highly infectious disease caused by the SARS-CoV-2 virus, which emerged in late 2019 in Wuhan, China. The virus primarily spreads through respiratory droplets released when an infected person coughs, sneezes, or talks, allowing it to pass easily from person to person. COVID-19 can lead to symptoms ranging from mild to severe, including fever, cough, shortness of breath, fatigue, and loss of taste or smell. In some cases, especially among older adults and those with underlying health conditions, the virus can cause severe respiratory illness, pneumonia, and even death.

Since its outbreak, COVID-19 has rapidly become a global pandemic, affecting millions worldwide and prompting countries to implement health measures like social distancing, mask-wearing, and hand hygiene. Vaccination efforts have played a key role in managing the pandemic, helping reduce severe cases and hospitalizations. While the virus continues to evolve, ongoing research and preventive measures are crucial to control its spread and mitigate its impact.

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 Covid or corona insurance, 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.

 

At-A-Glance

Compare Insurance Plans Made for You

Plans
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Health Guard Silver

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Health Guard Gold

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Health Guard Platinum

Hospital & Day Care SI INR 1.5/ 2 Lacs INR 3 Lacs to INR 50 Lacs INR 5 Lacs to INR 1 Cr.
Room Limits Up to 1% of SI per day and ICU at actuals Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals
Pre- & Post-Hospitalisation Pre: 60 days & Post: 90 days Pre: 60 days & Post: 90 days Pre: 60 days & Post: 90 days
Organ Donor, AYUSH, Modern Treatments Up to sum insured Up to sum insured Up to sum insured
Road Ambulance INR 20,000/policy year INR 20,000/policy year INR 20,000/policy year
Preventive Check-Up 1% of SI (max up to 2,000) once in 3 years 1% of SI (max up to 5,000) once in 3 years 1% of SI (max up to 5,000) once in 2 years
Maternity & Newborn Care Not covered As per limits specified As per limits specified
Convalescence Benefit INR 5,000/policy year INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above
Sum Insured Reinstatement 100% of the base sum insured 100% of the base sum insured 100% of the base sum insured
Wellness Discount Up to 12.5% wellness discount for healthy habits on renewal Up to 12.5% wellness discount for healthy habits on renewal Up to 12.5% wellness discount for healthy habits on renewal
More Covers See Policy documents for more details

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How Can You Protect Yourself from Covid 19?

Here are some essential steps to help protect yourself against Coronavirus:

● Always wash or sanitize your hands thoroughly before touching your eyes, nose, or mouth.

● Maintain a safe distance from individuals showing any symptoms of respiratory illness, and avoid crowded events like gatherings or festivals..

● Practice self-isolation by staying home whenever possible, and if you must go out, change your clothes upon returning and wash your hands well.

● Use a tissue when sneezing or coughing, and dispose of it immediately in a trash bin.

● If you experience symptoms of Coronavirus, consult a healthcare professional promptly.

● These practices can help reduce your risk and protect others around you.

Key Features of Corona Kavach Policy

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:

● Your spouse

● Your parents/parents in-law

● Your children (between the ages of 1 day to 25 years)

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.

Expand Your Coverage Today!

Respect Rider (Senior Care)

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Emergency assistance for senior citizens

Designed specifically for senior citizens

Starting from

INR 907 + GST

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Health Prime Rider

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Tele, In-Clinic Doctor Consultation and Investigation

Dental, Nutrition and Emotional Wellness

Starting from

INR 298 + GST

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Non-Medical Expenses

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Covers non-medical items

Items not typically covered in standard insurance plans

Starting from

8% of Premium

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Waiver of Room Capping

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Removes single room type restriction*

Covers actual room rent expenses without a cap

Starting from

2% of Premium

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Health Companion

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Track, Manage & Thrive with Your All-In-One Health Companion

From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights

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Take Charge of Your Health & Earn Rewards–Start Today!

Be proactive about your health–set goals, track progress, and get discounts!

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Your Personalised Health Journey Starts Here

Discover a health plan tailored just for you–get insights and achieve your wellness goals

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Your Endurance, Seamlessly Connected

Experience integrated health management with us by connecting all aspects of your health in one place

Why Choose Bajaj Allianz for Corona or Covid Insurance?

Here’s why Bajaj Allianz stands out as a trusted choice for COVID-19 insurance:

● Comprehensive Coverage:
Bajaj Allianz offers COVID-19 insurance plans with extensive coverage, helping to ease the financial burden of hospital expenses, medication, and home care for COVID-related treatments.

● Flexible Plans:
With Bajaj Allianz, you can select from various plans tailored to your needs, ensuring you get the right level of protection whether for individual or family coverage.

● Cashless Hospitalization:
With a vast network of partner hospitals, Bajaj Allianz facilitates cashless treatment, allowing you to focus on recovery without worrying about out-of-pocket expenses.

● Affordable Premiums:
Get comprehensive protection at budget-friendly rates. Bajaj Allianz COVID-19 insurance plans are designed to be accessible, providing peace of mind without heavy financial strain.

● Easy Claims Process:
The claims process is straightforward, with customer support available to guide you through every step, making it quick and hassle-free.

● Quick Policy Issuance:
Get covered promptly, as Bajaj Allianz ensures fast policy issuance with minimal documentation, so you’re prepared when you need it most.

With Bajaj Allianz’s COVID-19 insurance, you can protect your health and finances with a trusted partner known for its customer-first approach and efficient support.

Step-by-Step Guide

To help you navigate your insurance journey

How to Buy

  • 0

    Visit Bajaj Allianz website

  • 1

    Enter personal details

  • 2

    Compare health insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

How to Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Notify Bajaj Allianz about the claim using app

  • 1

    Submit all the required documents

  • 2

    Choose cashless or reimbursement mode for your claim

  • 3

    Avail treatment and share required bills

  • 4

    Receive claim settlement after approval

How to Port

  • 0

    Check eligibility for porting

  • 1

    Compare new policy benefits

  • 2

    Apply before your current policy expires

  • 3

    Provide details of your existing policy

  • 4

    Undergo risk assessment by Bajaj Allianz

  • 5

    Receive approval from Bajaj Allianz

  • 6

    Pay the premium for your new policy

  • 7

    Receive policy documents & coverage details

Claim Process

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.

Cashless Claim

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?

Reimbursement Claim

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 

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

●      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:

●      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)

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.

Corona 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. 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. 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. 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.

How to Buy a Corona Health Policy Online?

Thanks to advancements in technology, purchasing health insurance online has never been easier. With just a few steps, you can secure a COVID health insurance policy with Bajaj Allianz.

●      Step 1: Open the Bajaj Allianz website for a smooth, paperless purchase experience. Everything you need is online—no physical documents required.

●      Step 2: Provide necessary information like your name, age, preferred coverage, and policy term. If opting for a family floater plan, include details of any dependent family members.

●      Step 3: Make the payment online, and your policy document will be sent directly to your email for immediate access.

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.

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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

What Our Customers Say

Excellent Service

Bajaj Allianz provides excellent service with user-friendly platform that is simple to understand. Thanks to the team for serving customers with dedication and ensuring a seamless experience.

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Amagond Vittappa Arakeri

Mumbai

4.5

27th Jul 2020

Swift Claim Settlement

I am extremely happy and satisfied with my claim settlement, which was approved within just two days—even in these challenging times of COVID-19. 

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Ashish Jhunjhunwala

Vadodara

4.7

27th Jul 2020

Quick Service

The speed at which my insurance copy was delivered during the lockdown was truly commendable. Hats off to the Bajaj Allianz team for their efficiency and commitment!

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Sunita M Ahooja

Delhi

5

3rd Apr 2020

Outstanding Support

Excellent services during COVID-19 for your mediclaim cashless customers. You guys are COVID warriors, helping patients settle claims digitally during these challenging times.

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Arun Sekhsaria

Mumbai

4.8

27th Jul 2020

Seamless Renewal Experience

I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much!

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Vikram Anil Kumar

Delhi

5

27th Jul 2020

Quick Claim Settlement

Good claim settlement service even during the lockdown. That’s why I sell Bajaj Allianz Health Policy to as many customers as possible.

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Prithbi Singh Miyan

Mumbai

4.6

27th Jul 2020

FAQ's

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.

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.

Why is medical insurance necessary for your health?

Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.

How many dependent members can I add to my family health insurance pla

You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.

Why should you compare health insurance plans online?

Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.

Why should you never delay the health insurance premium?

Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

How to get a physical copy of your Bajaj Allianz General Insurance Com

Request a physical copy from the insurer or take a printout of the digital policy document received via email.

Is there a time limit to claim health cover plans?

Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.

What exactly are pre-existing conditions in an Individual Health Insur

Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.

How is the insurer going to pay my hospital bills?

Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).

Are there any tax advantages to purchasing Individual Health Insurance

Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).

Why should I need Personal Medical Insurance?

Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.

How do I go about renewing health insurance plans?

Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.

How is the health insurance renewal premium calculated?

We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.

Can I renew my expired health insurance policy?

Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo

Can I renew health insurance online?

Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.

Will I be able to transfer my health insurance policy from another pro

Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.

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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 health insurance policies. With this straightforward and clear COVID-19 health insurance, you can secure yourself & your family.

What is Covid 19 or coronavirus?

COVID-19, also known as coronavirus, is a highly infectious disease caused by the SARS-CoV-2 virus, which emerged in late 2019 in Wuhan, China. The virus primarily spreads through respiratory droplets released when an infected person coughs, sneezes, or talks, allowing it to pass easily from person to person. COVID-19 can lead to symptoms ranging from mild to severe, including fever, cough, shortness of breath, fatigue, and loss of taste or smell. In some cases, especially among older adults and those with underlying health conditions, the virus can cause severe respiratory illness, pneumonia, and even death.

Since its outbreak, COVID-19 has rapidly become a global pandemic, affecting millions worldwide and prompting countries to implement health measures like social distancing, mask-wearing, and hand hygiene. Vaccination efforts have played a key role in managing the pandemic, helping reduce severe cases and hospitalizations. While the virus continues to evolve, ongoing research and preventive measures are crucial to control its spread and mitigate its impact.

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 Covid or corona insurance, 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.

How can you protect yourself from Covid 19?

Here are some essential steps to help protect yourself against Coronavirus:

  • ● Always wash or sanitize your hands thoroughly before touching your eyes, nose, or mouth.
  • ● Maintain a safe distance from individuals showing any symptoms of respiratory illness, and avoid crowded events like gatherings or festivals..
  • ● Practice self-isolation by staying home whenever possible, and if you must go out, change your clothes upon returning and wash your hands well.
  • ● Use a tissue when sneezing or coughing, and dispose of it immediately in a trash bin.
  • ● If you experience symptoms of Coronavirus, consult a healthcare professional promptly.

These practices can help reduce your risk and protect others around you.

Why Choose Bajaj Allianz for Corona or Covid Insurance?

Here’s why Bajaj Allianz stands out as a trusted choice for COVID-19 insurance:

  • Comprehensive Coverage :

    Bajaj Allianz offers COVID-19 insurance plans with extensive coverage, helping to ease the financial burden of hospital expenses, medication, and home care for COVID-related treatments.

  • Flexible Plans :

    With Bajaj Allianz, you can select from various plans tailored to your needs, ensuring you get the right level of protection whether for individual or family coverage.

  • Cashless Hospitalization :

    With a vast network of partner hospitals, Bajaj Allianz facilitates cashless treatment, allowing you to focus on recovery without worrying about out-of-pocket expenses.

  • Affordable Premiums :

    Get comprehensive protection at budget-friendly rates. Bajaj Allianz COVID-19 insurance plans are designed to be accessible, providing peace of mind without heavy financial strain.

  • Easy Claims Process :

    The claims process is straightforward, with customer support available to guide you through every step, making it quick and hassle-free.

  • Quick Policy Issuance :

    Get covered promptly, as Bajaj Allianz ensures fast policy issuance with minimal documentation, so you’re prepared when you need it most.

With Bajaj Allianz’s COVID-19 insurance, you can protect your health and finances with a trusted partner known for its customer-first approach and efficient support.

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. 

How to Buy a Corona Health Policy Online?

Thanks to advancements in technology, purchasing health insurance online has never been easier. With just a few steps, you can secure a COVID health insurance policy with Bajaj Allianz.

  • Step 1 :

    Open the Bajaj Allianz website for a smooth, paperless purchase experience. Everything you need is online—no physical documents required.

  • Step 2 :

    Provide necessary information like your name, age, preferred coverage, and policy term. If opting for a family floater plan, include details of any dependent family members.

  • Step 3 :

    Make the payment online, and your policy document will be sent directly to your email for immediate access.

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.

Corona Kavach Policy vs Standard Health Insurance

 

Your RequirementCorona KavachStandard Health Insurance Policy
What is coveredOnly COVID-19 treatmentCovers all illnesses including COVID-19
Sum InsuredINR 50,000 till 5,00,000INR 50,000 till 50,00,000
Cover for your FamilyYesYes
Maximum Entry age limit65 Years70 Years (for Senior Citizen plan)
Coverage against COVIDOnly for COVIDCovers COVID along with other illnesses
Lifetime RenewabilityNot applicableAvailable
Policy Term3.5/6.5/9.5 monthsMinimum 1 year to maximum 3 years
PPE Kit ExpensesCoveredNot covered
Waiting period15 daysMinimum 30 days
Pre-existing diseaseNot coveredCovered after a certain waiting period
Pre-policy medicalsNot applicableApplicable
Premium payment termSingleInstalment option available