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Kotak Corona Kavach Health Insurance

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Kotak Mahindra Health Insurance
Corona Kavach Policy
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio97%
Network Hospitals7,200+
Pre-existing Waiting Period4 year
Special BenefitsNo Capping on Room Rent
Starting Premium for Rs. 5 lakhs SIRs. 489/month

About Kotak Corona Kavach Health Insurance

Kotak Corona Kavach Policy is the ultimate financial protection one needs at the time of coronavirus pandemic. Available at a reasonable premium cost, Corona Kavach Policy provides coverage for medical expenses due to a positive Covid-19 diagnosis. Offered on an individual as well as family floater basis, the policy is a standard individual health indemnity policy that takes care of hospitalisation expenses incurred due to treatment of Covid-19.

Anyone between the age range of 18 years up to 65 years can purchase the Kotak Corona Kavach Policy. Under the policy, the insured can cover self and family members like the legally wedded spouse, parents & and parents-in-law, and dependent children. While the policy provides cover for dependent children up to the age of 25 years, newborn babies are provided cover from the first day. It must be noted that the minimum sum insured amount is Rs. 50,000, the maximum sum insured amount is Rs. 5 Lakh (in multiples of Rs. 50,000). One of the best features of the policy is that it does not come with a co-payment clause. Kotak Corona Kavach Policy provides cover for Covid-19 hospitalization, road ambulance, home care treatment expenses, AYUSH coverage and more. Furthermore, the policy comes with an optional cover of Hospital Daily Cash.

Also read: COVID 19 Insurance

Kotak Corona Kavach Policy also provides cover for comorbidity arising due to treatment in Covid-19. Another significant feature of the policy is its term. The Kotak Corona Kavach Policy can be purchased for 3.5 months, 6.5 months, and 9.5 months including the waiting period.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Inpatient hospitalization for Covid-19 treatment
  • Pre-hospitalization cover for a period of 15 days
  • Post-hospitalization cover for a period of 30 days
  • Ambulance expenses Rs. 2,000 per hospitalization
  • Home care treatment for a maximum up to 14 days

What's Not Included

  • Treatment for day care procedures
  • Treatment for outpatient expenses
  • Admission for investigation & evaluation
  • Admission for rest cure, respite care, and rehabilitation
  • Expenses due to Covid-19 treatment within first 15 days

Claim Process at Kotak Mahindra 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 within 24 hours and for planned hospitalisation intimate within 48 hours 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 within 24 hours and for planned hospitalisation intimate within 48 hours 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

  • Does Kotak Corona Kavach come with portability and migration features?

    No! The policy does not cover portability and migration features.

  • Can I renew the Kotak Corona Kavach Policy for lifetime?

    No! Kotak Corona Kavach Policy is not lifelong renewable. 

  • Is there any sublimit associated with the Hospital Daily Cash feature of the Kotak Corona Kavach Policy?

    Firstly, the benefit of Hospital Daily Cash is optional. Secondly, the optional cover can be availed on 0.5% of sum insured on a daily basis, maximum up to 15 days in the policy period for every insured person. 

  • Can I avail OPD treatment under the Kotak Corona Kavach Policy?

    No! Kotak Corona Kavach Policy does not provide cover for OPD expenses.

  • Is Kotak Corona Kavach Policy beneficial in providing cover outside India?

    No! Kotak Corona Kavach Policy does not cover any sort of diagnosis or treatment outside the geographical limits of India.

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