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Zuno Corona Kavach Health Insurance

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Zuno Health Insurance
Corona Kavach Policy
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals5,000+
PED Waiting Period3 years
Special BenefitsCash Advance for Reimbursement Claims
Starting Premium for 5 lac SIRs. 548/month

About Zuno Corona Kavach Health Insurance

Edelweiss Corona Kavach Policy is an affordable medical insurance policy that offers a helping hand to you and your family during the coronavirus crisis. It is an indemnity based policy that covers you for medical expenses related to hospitalisation or treatment taken at home if arising due to COVID-19. Available on individual and family floater basis, the policy can be purchased by you if you are aged between 18 years and 65 years. You can also add your legally wedded spouse, dependent children, parents, and parents-in-laws under this policy. The policy offers you a wide sum insured range between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000) and comes for short terms of 3.5 months, 6.5 months, and 9.5 months. As it is a short term policy, it does not offer lifetime renewability benefit.

The policy offers you several coverage benefits including road ambulance cover, pre-hospitalisation and post-hospitalisation cover, in-patient AYUSH treatment cover, and so on. But you must complete a waiting period of 15 days to be able to avail policy benefits. The best part is that the policy does not have any co-payment clause. Also, you can avail income tax benefits on the premium paid for this policy under Section 80D of the Income Tax Act, 1961.

Also read: COVID-19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Medical expenses incurred on hospitalisation for at least 24 hours due to COVID-19
  • Pre-hospitalisation and post-hospitalisation expenses incurred for 15 days and 30 days respectively
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • Hospitalisation expenses incurred due to COVID-19 under AYUSH systems of medicines
  • Home care treatment expenses incurred on availing treatment for COVID-19 at home.

What's Not Included

  • Treatment(s) taken outside the geographical boundaries of India
  • Expenses related to daycare treatment and OPD treatment
  • Any claim in relation to COVID-19 where it has been diagnosed before the commencement of the policy
  • Hospitalisation solely for the purpose of evaluation and investigation
  • Admission primarily for the purpose of rest cure, rehabilitation, and respite care.

2131 Zuno Cashless Network Hospitals in India

Zuno Corona Kavach Policy Brochure

  • 611.82 KB
  • PDF Document
  • Jul 29, 2020

Claim Process at Zuno 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 48 hours and for planned hospitalisation intimate 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 48 hours and for planned hospitalisation intimate 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

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

    Yes. Edelweiss Corona Kavach Policy comes with an optional cover of Hospital Daily Cash that you can choose to avail a benefit of 0.5% of the sum insured for every day subject to a maximum of 15 days in a policy period. 

  • What is the payment basis for Edelweiss Corona Kavach Policy?

    Under Edelweiss Corona Kavach Policy, the base cover is on indemnity basis and the optional cover (Hospital Daily Cash) is on benefit basis.

  • Can the insurer cancel my Edelweiss Corona Kavach Policy in any case?

    Yes. The insurer can cancel your Corona Kavach Policy at any time in case of any misrepresentation, non-disclosure of material facts or fraud by you by giving a written notice for 7 days. 

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

    Edelweiss Corona Kavach Policy comes 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. 

  • Does Edelweiss Corona Kavach Policy cover me for home care expenses?

    Yes. Edelweiss Corona Kavach Policy covers you for the following home care treatment expenses incurred due to COVID-19:

    • Medicines prescribed in writing
    • Diagnostic tests undergone at home
    • Nursing expenses
    • Expenses related to nebulizer, oxygen cylinder, and pulse oximeter
    • Medical procedures limited to parenteral administration of medicines. 

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