Shield Yourself Against the Invisible Threat
|Product type||Individual & Family Floater|
|Waiting Period||15 days|
|Sum insured||50k to 5L|
|Policy Period||3 ½ months, 6 ½ months, and 9 ½ months|
|Eligibility||18 years to 65 years|
|Coverage||Covers up to sum insured|
The Corona Kavach is an indemnity-based coronavirus medical insurance policy issued under the guidelines of IRDAI which means that it indemnifies the hospital expenses incurred and you can avail reimbursement for the same up to the sum insured in the policy. The Corona Kavach Policy covers the cost of treatment for Covid-19 including expenses for hospitalisation, pre and post-hospitalisation, home care treatment and AYUSH treatment and more in case the policyholder tests positive for Covid-19.
To buy Star Health’s Corona Kavach Policy, you must be between 18 to 65 years of age. And, the age of your dependent children must be between 1 day to 25 years. Also, this policy can only be availed by Indians, Non-resident Indians, and overseas Indian citizens. All policy insurers must be present in India while buying the policy. Claims will be considered only for treatment taken in India.
Partially Yes. Because the Corona Kavach Policy will only cover home care treatment expenses after an insured person is tested corona positive by an approved medical professional. However, mere quarantine expenses won’t be covered.
No. They must not deny this facility as per a recent circular from the IRDA. If you face any such difficulty, you must make a formal request with your TPA for the cashless hospital admission. In case the hospital authorities still deny your cashless admission, then you can lodge a complaint against the particular hospital with your insurer.
Of course! There are absolutely no deductibles to be paid by the insured under this policy. But for obtaining those benefits, you must be diagnosed with COVID-19 from a government authorized diagnostic center and should be prescribed immediate hospitalisation. If you have opted for an optional cover by paying a lesser premium, then you might have to bear a part of the expenses. Further, the total reimbursement must not exceed the sum insured that was initially opted by the policyholder.
No need to worry. Even if you are undergoing treatment in a non-network hospital, there is a possibility of getting the treatment fee back in form of reimbursement. However, initially, you have to pay the whole treatment cost at the hospital. Later, you are required to submit your original bills and medical reports to the insurer. Based on the examination, your insurer might either approve the whole or part of your medical charges.
Diagnostic expenses, Rehabilitation and cure spends, Dietary supplement purchases, Unproven treatment fees, Daycare treatment charges, Vaccination prices, Unauthorized testing expenditures, and Overseas treatment costs are not covered under Corona Kavach Policy.