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Acko Corona Kavach Health Insurance

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Acko Health Insurance
Corona Kavach Policy
Claim Settlement Ratio74.09%
COVID-19 CoverAvailable
Free Health CheckupAvailable
Inception2016
Network Hospitals5,300+
RenewabilityLifetime

About Acko Corona Kavach Health Insurance

Acko Corona Kavach Policy is an indemnity-based short-term policy that covers you and your family against treatment expenses related to a positive diagnosis of the pandemic declared coronavirus. Available with a wide sum insured options between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000), you can buy this policy for any sum insured as per your requirement and budget. The policy covers people aged between 18 years and 65 years and allows you to add family members too along with yourself. These may be your legally wedded spouse, parents, and parents-in-law, dependent children (naturally or legally adopted) aged between 1 day and 25 years. The good news is that the policy comes without any capping on room rent and does not have any co-payment clause, which keeps you stress-free.

Acko Corona Kavach Policy is a short-term policy that can be bought for 3.5 months, 6.5 months, or 9.5 months, that includes a waiting period of 15 days as well. The policy offers you several coverage benefits such as COVID-19 hospitalisation expenses, home care treatment expenses, medical expenses incurred due to AYUSH treatment, pre-hospitalisation expenses, and post-hospitalisation expenses. Note that you can avail of benefits under the policy only if you are diagnosed coronavirus positive in a government authorized diagnostic center that requires hospitalisation.

Also read: Coronavirus Health Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospitalisation expenses incurred due to the novel coronavirus
  • Home care treatment expenses related to coronavirus
  • AYUSH treatments availed as in-patient hospitalisation
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • 15 days pre-hospitalisation expenses and 30-days post-hospitalisation expenses

What's Not Included

  • Treatment availed outside the geographical boundaries of India
  • Expenses incurred on OPD and daycare treatment are not covered
  • Expenses incurred due to admission solely for the purpose of evaluation and investigation
  • Expenses related to admission for bed rest and not treatment
  • Dietary supplements and substances that cannot be bought without prescription

Acko Corona Kavach Policy Brochure

  • 212.63 KB
  • PDF Document
  • Dec 09, 2020

Claim Process at Acko Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Kavach Policy Health Insurance Plan

  • What are the policy terms available in Acko Corona Kavach Policy?

    Acko Corona Kavach Policy is a short-term policy that can be purchased for 3.5 months, 6.5 months, and 9.5 months. Note that the policy terms include the waiting period. 

  • Does Acko Corona Kavach Policy come with any optional cover?

    Yes. Acko General insurance policy comes with an optional cover of hospital daily cash. If opted, the benefit pays you 0.5% of the sum insured for each 24 hours of continuous hospitalisation for a maximum of 15 days in a policy period for every insured individual. 

  • What are the sum insured options available in Acko Corona Kavach Policy?

    Acko Corona Kavach Policy can be purchased for sum insured of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh; Rs. 2 lakh; Rs. 2.5 lakh; Rs. 3 lakh; Rs. 3.5 lakh; Rs. 4 lakh; Rs. 4.5 lakh; and Rs. 5 lakh. 

  • Does Acko Corona Kavach Policy offer lifetime renewability benefit?

    No. Acko Corona Kavach Policy does not come with lifetime renewability benefits as it is a short term policy. You can purchase a new policy in case your existing policy gets expired. 

  • Can I avail tax benefits under Acko Corona Kavach Policy?

    Yes. You can avail tax benefits on the premium paid for Acko Corona Kavach Policy under Section 80D of the Income Tax Act, 1961. 

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