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National Corona Kavach Health Insurance

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National Health Insurance
Corona Kavach Policy
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

About National Corona Kavach Health Insurance

Corona Kavach Policy offered by National Insurance is a short term standard indemnity based health insurance policy that offers protection against medical expenses incurred due to COVID-19. Available for individuals and families, the policy covers self, spouse, dependent children, parents, and parents-in-law. People aged between 1 day and 65 years can be covered under this policy wherein the proposer must be aged at least 18 years. Above the eligible age, the proposer may cover family without covering self. Under Corona Kavach Policy offered by National Insurance, you can avail cashless or reimbursement hospitalisation for the required treatment.

The policy is available for sum insured options ranging between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000) and can be purchased for a policy term of 3.5 months, 6.5 months, or 9.5 months. It is a short term policy and therefore portability and migration are not allowed under it. To avail benefits under the policy, you will be required to complete a waiting period of 15 days starting from the date of commencement of the policy. The good news is that the policy requires no pre-policy check-up. Also, it comes without any co-payment clause.

Also read: COVID-19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospitalisation expenses related to treatment of COVID-19
  • Pre-hospitalisation and post-hospitalisation expenses of up to Rs. 2,000 per hospitalisation
  • Home care treatment for up to 14 days per incident
  • Cover for co-morbid conditions during COVID-19 treatment
  • Cover for AYUSH treatments up to the sum insured

What's Not Included

  • Any diagnosis or treatment taken outside the geographical boundaries of India
  • Expenses incurred on dietary supplements and substances
  • Testing done at a diagnostic center that is not authorized by the government
  • Any COVID-19 related claim in case it was diagnosed before the policy issuance
  • Admission for investigation or evaluation

National Corona Kavach Policy Brochure

  • 742.15 KB
  • PDF Document
  • Jul 17, 2020

Claim Process at National 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 72 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 72 hours and for planned hospitalisation intimate within 72 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

  • Can I renew my National Corona Kavach Health Insurance Policy?

    No. National Corona Kavach Policy is a short term health insurance policy with no renewal for lifetime. You can purchase a fresh policy after the existing policy gets expired. On purchasing a new policy, you will be required to complete a fresh waiting period.

  • What is the term for National Corona Kavach Health Insurance Policy?

    National Corona Kavach Health Insurance Policy can be purchased for the following terms:

    • 3.5 months (or 105 days)  
    • 6.5 months (or 195 days)  
    • 9.5 months (or 285 days)
  • Can I avail tax benefits on the premium paid under National Corona Kavach Health Insurance Policy?

    Yes. Tax benefits can be availed in the premium paid for the National Corona Kavach Health Insurance Policy under Section 80D of the Income Tax Act. 

  • Is there any optional cover offered under National Corona Kavach Health Insurance Policy?

    Yes. National Corona Kavach Health Insurance Policy comes with an optional cover of hospital daily cash. You can avail benefit for 0.5% of sum insured up to 15 days under it.

  • What are the sum insured options available under National Corona Kavach Health Insurance Policy?

    National Corona Kavach Health Insurance Policy is available with 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. 

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