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SBI Corona Kavach Health Insurance

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SBI Health Insurance
Corona Kavach Policy
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443
RenewabilityLifelong

About SBI Corona Kavach Health Insurance

Corona Kavach Policy, SBI General is an affordable indemnity-based medical insurance policy that covers you and your family against several healthcare expenses arising due to a positive diagnosis of COVID-19. Individuals aged between 18 years and 65 years can buy this policy on an individual or family floater basis. If covered on a family floater basis, you can include self, legally wedded spouse, dependent children, parents, and parents-in-law under this policy. The minimum and maximum age for dependent children is 1 day and 25 years respectively. If the child aged more than 18 years is financially independent, then he/she would be ineligible to be covered on a floater basis. If covered on an individual basis, the sum insured would be applicable to every family member individually, whereas if covered on a family floater basis, the sum insured will be applied to the entire family.

Corona Kavach Policy offered by SBI General Insurance comes with sum insured options between Rs. 50,000 and Rs. 5 Lakh in multiples of Rs. 50,000 with policy term options of 3.5 months, 6.5 months, and 9.5 months. The policy covers you for several healthcare expenses some of which include room rent, nursing and boarding expenses, AYUSH treatments, pre-hospitalisation and post-hospitalisation expenses, home care treatment expenses, etc. Also, the policy comes with an add-on benefit which you can voluntarily opt for by paying an extra premium at the time of policy purchase. As the ongoing pandemic is affecting the lives and livelihood of many individuals, this policy will be helpful as it keeps you protected against the financial implications and stress due to the COVID-19 crisis.

Also read: COVID-19 Insurance India

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Treatment taken under AYUSH systems of medicines is included
  • Pre-hospitalisation and post-hospitalisation expenses for up to 15 days and 30 days respectively
  • Home care treatment expenses
  • Road ambulance expenses for up to Rs. 2,000 is included under the plan

What's Not Included

  • Treatments for evaluation and investigation
  • Treatment due to breach of law with criminal intent by insured
  • Expenses that are not related to or not incidental to the current diagnosis and treatment
  • Rest cure, rehabilitation, and respite care
  • Expenses related to OPD consultations and daycare treatments

17100 SBI Cashless Network Hospitals in India

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Add-ons to Enhance Benefits

  • Hospital Daily Cash

    Hospital daily cash add-on provides you 0.5% of the sum insured every day for every 24 hours of continuous hospitalisation for which the insurance company has accepted a claim under hospitalisation cover. The benefits shall be payable for up to 15 days during a policy term.

SBI Corona Kavach Policy Brochure

  • 342.66 KB
  • PDF Document
  • Jul 27, 2020

Claim Process at SBI 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 is the policy term for SBI General Corona Kavach Policy?

    SBI General Corona Kavach Policy is available for policy terms of 3.5 months, 6.5 months, and 9.5 months.

  • What are the sum insured options available under SBI General Corona Kavach Policy?

    SBI General Corona Kavach 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. 

  • Can I avail tax benefits under SBI General Corona Kavach Policy?

    Yes. You can avail tax benefits on the premium paid for SBI General Corona Kavach Policy under Section 80D of the Income Tax Act.

  • Is there any add-on cover offered under Corona Kavach Policy offered by SBI General Insurance?

    Yes. Corona Kavach Policy offered by SBI General Insurance comes with an add-on cover of hospital daily cash which you can opt for at the time of policy purchase, by paying a little extra premium. The add-on provides you 0.5% of the sum insured every day for every 24 hours of continuous hospitalisation for admissible claims. The benefits shall be payable for up to 15 days during a policy term.  

  • Which medical expenses are covered under in-patient treatment under SBI General Corona Kavach Policy?

    Following medical expenses are covered under in-patient treatment under SBI General Corona Kavach Policy:

    • Room rent, boarding, and nursing expenses
    • Operation theatre expenses, anaesthesia, oxygen, blood, surgical appliances, PPE kit, gloves, medicines that you consume during the stay at hospital and so on
    • Doctor, Consultant, Surgeon, Anesthetist, Medical Practitioner’s fee
    • ICU/ICCU expenses
    • Road ambulance expenses for up to Rs. 2,000 per hospitalisation 

     

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