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Oriental Corona Kavach Health Insurance

164 reviews Rate This
Oriental Health Insurance
Corona Kavach Policy
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812
RenewabilityLifelong

About Oriental Corona Kavach Health Insurance

Amid the Coronavirus (Covid-19) pandemic crisis, which the world is going through, this Oriental Insurance Corona Kavach Plan has come up with great relief. This is a standard medical insurance plan which offers coverage for individuals and families with the sum insured ranging from Rs. 50,000 to Rs. 5 lakh, in multiples of Rs. 50,000. Anyone who falls under the age group of 18 years and 65 years can propose to buy this health insurance cover. It is designed to offer medical coverage for close relationships such as spouse, children, parents and parents-in-law along with yourself.

People can purchase this health insurance cover with different policy terms of 3.5 months, 6.5 months and 9.5 months, including a waiting period of 15 days from the policy commencement date. This indemnity based plan compensates diverse medical expenses incurred on Covid-19 treatment under several benefits such as COVID hospitalisation cover, AYUSH treatment, home care treatment, and so on. In addition to these, it also gives an optional benefit of hospital daily cash under which 0.5% of the sum insured amount is payable for every 24 hours of hospitalisation for maximum up to 15 days.

Also read: COVID-19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • AYUSH treatment expenses incurred on in-patient treatment Covid-19
  • Cost of hospitalisation for minimum 24 hours for the treatment of Covid-19
  • Road ambulance expense up to a maximum of Rs. 2,000 per hospitalisation
  • Home care treatment costs incurred on Covid-19 treatment for maximum 14 days
  • Pre-hospitalisation and post-hospitalisation cost of up to 15 days and 30 days respectively

What's Not Included

  • Expenses related to any unproven treatment, services and supplies
  • Dietary supplements and substances purchased without a prescription
  • Diagnostic expenses not related to Covid-19 diagnosis and treatment
  • Testing done at a diagnostic centre which is not authorised by the government
  • Expenses related to any admission primarily for diagnostics and evaluation purposes

Corona Kavach Policy User Reviews

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What users are saying
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  • When the pandemic period started I was looking for a health insurance plan for my family that could provide co...

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    A
    By Anirban Bhattacharya
    On: Dec 02, 2020

Oriental Corona Kavach Policy Brochure

  • 770.33 KB
  • PDF Document
  • Jul 28, 2020

Claim Process at Oriental 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 sum insured options available under this Oriental Insurance Corona Kavach Health Insurance Policy?

    This Oriental Insurance Corona Kavach Health Insurance Policy is available with a different sum insured options from Rs. 50,000 to Rs. 5 lakh, in the multiple of 50,000. 

  • What is the waiting period under Oriental Corona Kavach Health Insurance Policy?

    Oriental Corona Kavach Health Insurance Plan is available with a waiting period of 15 days from the date of policy commencement. You can avail this policy only after the completion of this waiting period. 

  • Can I avail tax benefits with Oriental Corona Kavach Health Insurance Policy?

    Yes, you can earn the tax benefits on the premium amount of this plan under section 80D of the Income Tax Act, 1961.

  • What is the eligibility criteria to get coverage under Oriental Corona Kavach Health Insurance Policy?

    People between the age group of 18 years and 65 years can buy this policy. However, this plan offers coverage to insured persons from 1 day old to 65 years. The relationships it covers include different family members such as a legally wedded spouse, dependent children (biological or legally adopted) from 1 day to 25 years, parents and parents-in-law. Financially independent children of above 18 years can not be covered.

  • Does this Oriental Corona Kavach health insurance policy offers coverage for AYUSH treatment?

    Yes, this policy offers the coverage for the medical expenses incurred on in-patient care and treatment for Covid-19 under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy procedures and medicines up to the sum insured amount opted under the health insurance plan.

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