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Care Corona Kavach Health Insurance

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Care Health Insurance
Corona Kavach Policy
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Corona Kavach Health Insurance

Corona Kavach Policy offered by Care Health Insurance is a standard medical insurance policy that offers cover for expenses related to COVID-19, to the insured. Available on an individual or family floater basis, the policy covers people aged between 18 years and 65 years. When buying cover under the policy, you can choose from various sum insured options, which start from as low as Rs. 50,000 and go up to Rs. 5 Lakh. It is an indemnity based policy that comes with short policy terms. You can buy it for 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days).

Corona Kavach Policy offered by Care Health Insurance was launched by the Insurance Regulatory and Development Authority (IRDA). If covered under the policy, you do not need to worry about basic healthcare expenses related to treatment of COVID-19. These include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, AYUSH treatment expenses, home care treatment expenses, etc. But the policy comes with a waiting period of 15 days, after which only you will be able to make any claim. Kindly note that the waiting period is calculated from the date of commencement of the policy.

Also read: COVID-19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Home care treatment expenses
  • AYUSH treatment taken as in-patient hospitalisation is covered
  • Hospitalisation expenses arising due to COVID-19 is covered under the plan
  • Ambulance expenses for up to Rs. 2,000 per hospitalisation
  • 15 days pre-hospitalisation and 30 days post-hospitalisation expenses

What's Not Included

  • Diagnosis or treatment taken outside India
  • Dietary supplements and substances bought without any prescription
  • COVID-19 related claims before the commencement of the policy
  • Diagnosis done at a testing center not authorised by the government
  • Any unproven treatment that lacks significant medical documentation

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Claim Process at Care 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.

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FAQs on Corona Kavach Policy Health Insurance Plan

  • Why do I need a specific coronavirus plan named Corona Kavach Policy offered by Care Health Insurance?

    It is crucial to buy Corona Kavach Policy offered by Care Health Insurance as it provides you with conventional health insurance coverage to fight against the fatal disease. The policy covers you for treatment and hospitalisation expenses to give relief to patients who have limited means of income. The policy is most beneficial for frontline warriors like journalists, shopkeepers, police, security personnel, etc. 

  • What is the eligibility for Corona Kavach Policy offered by Care Health Insurance?

    The proposer for Corona Kavach Policy offered by Care Health Insurance must be aged at least 18 years. Whereas the minimum and maximum entry age for this plan is 5 years for an individual and 1 day for a child (on family floater basis) if at least 1 member is aged at least 18 years. Kindly note that if the Proposer is aged more than 70 years, then he/she can buy the policy for the family, without covering self.  

  • Who all can be covered under the Corona Kavach Policy offered by Care Health Insurance?

    Under the Corona Kavach Policy offered by Care Health Insurance, you can cover yourself, legally wedded spouse, dependent children, parents, and parents-in-law. Note that on a floater basis, up to 2 adults and 4 children can be added. 

  • Can I avail any tax benefit on the premium paid for Corona Kavach Policy offered by Care Health Insurance?

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

  • What all is covered under home care treatment expenses in the Corona Kavach Policy offered by Care Health Insurance?

    You are covered for the following expenses related to home care treatment in Corona Kavach Policy offered by Care Health Insurance: 

    • Cover for up to 14 days during the policy term
    • Diagnostic tests undergone at home or authorized diagnostic center
    • Medicines prescribed in written by Medical Practitioner and consultation expenses
    • Expenses related to pulse oximeter, nebulizer if required, oxygen cylinder
    • Nursing expenses, medical procedures limited to parenteral administration of medicines 

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