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IFFCO Tokio Corona Kavach Health Insurance

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IFFCO Tokio Health Insurance
Corona Kavach Policy
Claim Settlement Ratio96.33%
Network Hospitals7,500+
Starting Premium (for 5L SI)Rs. 584/month
PED Waiting Period3 years

About IFFCO Tokio Corona Kavach Health Insurance

IFFCO Tokio Corona Kavach Health Insurance Policy is a short-term indemnity-based health insurance policy that protects you and your family against medical expenses incurred due to COVID-19. You can purchase this policy on an individual or floater basis to secure yourself and your loved ones against healthcare expenses related to the pandemic. The policy offers a choice of three short term tenures that are 3.5 months, 6.5 months, and 9.5 months and comes in sum insured options ranging between Rs. 50,000 and Rs. 5 lakh (in the multiples of Rs. 50,000). People aged between 1 day and 65 years can be covered under this policy which may include self, legally wedded spouse, dependent children, parents, and parents-in-law. Note that the minimum age to be the proposer for this policy is 18 years.

To avail of benefits under the policy, you are required to complete a waiting period of 15 days. Because the policy has a short term, therefore it does not come with a free look period. But the policy offers you many benefits such as cover for in-patient-hospitalisation expenses related to COVID-19, no room rent capping, cover for AYUSH treatments, cover for home care expenses, no co-payment clause, etc.

Also read: Coronavirus Health Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses incurred on in-patient care treatment for COVID-19 under AYUSH systems of medicines
  • Home care treatment expenses on positive diagnosis of COVID-19 for up to 14 days per incident
  • 15 days pre-hospitalisation and 30 days post-hospitalisation expenses
  • Medical expenses for hospitalisation for COVID-19 for at least 24 consecutive hours
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation

What's Not Included

  • Any treatment related to COVID-19 that got diagnosed before the date of commencement of the policy
  • Any treatment taken outside the geographical boundaries of India
  • Any medical expenses related to rest cure, rehabilitation, and respite care
  • Expenses incurred on daycare treatment and OPD treatment
  • Testing done at a diagnostic center not approved by the government of India

1187 IFFCO Tokio Cashless Network Hospitals in India

Corona Kavach Policy User Reviews

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  • The main objective of the Coronavirus health insurance policy is to cover health-related needs during the trea...

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    By Tulika Basu
    On: Jan 27, 2021

IFFCO Tokio Corona Kavach Policy Brochure

  • 88.77 KB
  • PDF Document
  • Jul 17, 2020

Claim Process at IFFCO Tokio 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 3 days 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 3 days 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 sum insured options available under IFFCO Tokio Corona Kavach Health Insurance Policy?

    IFFCO Tokio Corona Kavach Health Insurance Policy can be purchased for sum insured options 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.

  • What all is covered under hospitalisation expenses under IFFCO Tokio Corona Kavach Health Insurance Policy?

    IFFCO Tokio Corona Kavach Health Insurance Policy covers the following medical expenses related to hospitalisation:

    • Nursing, boarding, and room rent expenses (without any sub limit)
    • ICU/ICCU expenses 
    • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
    • Expenses related to blood, oxygen, anaesthesia, PPE kit, gloves, Surgeon/Consultant/Medical Practitioner’s fee, mask, costs towards diagnosis, ventilator charges, surgical appliances, and similar expenses. 
  • Does IFFCO Tokio Corona Kavach Health Insurance Policy offer any optional cover?

    Yes. IFFCO Tokio Corona Kavach Health Insurance Policy offers an optional cover of Hospital Daily Cash. Under this, you can avail the cash benefit of 0.5% of the sum insured for every completed day of continuous hospitalisation. You can avail the benefit of up to 15 days in every policy period. 

  • Can I avail tax benefits on the premium paid for IFFCO Tokio Corona Kavach Health Insurance Policy?

    Yes. You can avail tax benefits on the premium paid for IFFCO Tokio Corona Kavach Health Insurance Policy under Section 80D of the Income Tax Act. 

     

  • When can I renew my IFFCO Tokio Corona Kavach Health Insurance Policy?

    IFFCO Tokio Corona Kavach Health Insurance Policy is a short term health insurance policy that does not offer lifetime renewability. After the expiration of your existing policy, you can purchase a fresh one that will come with a fresh waiting period. 

     

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