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Aditya Birla Corona Kavach Health Insurance

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Aditya Birla Health Insurance
Corona Kavach Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio96%
Network Hospitals11,000+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

About Aditya Birla Corona Kavach Health Insurance

Aditya Birla Corona Kavach Policy is an indemnity-based health insurance cover that offers protection against medical expenses incurred due to COVID-19. It is a plan that can be bought by anyone between the age group of 18 years and 65 years on an individual as well as a family floater basis. However, above the eligible age, the proposer can cover his or her family without covering self. This policy is designed to cover several relationships such as self, spouse, dependent children, parents, and parents-in-law.

Besides these basic offerings, a wide range of sum insured options is provided between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000). One of the major highlights of this health insurance policy is that it comes with different policy terms of 3.5 months, 6.5 months, and 9.5 months. You can avail of this plan but only after completing a waiting period of 15 days from the starting date of the policy. The policy is loaded with several benefits such as hospitalisation costs for Covid-19 treatment, AYUSH treatments, home care treatment, and so on.

Also read: Coronavirus Health Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Home care treatment for maximum up to 14 days per incident
  • In-patient care for Covid-19 under AYUSH systems of medicines
  • Hospitalisation costs for Covid-19 treatment for at least 24 consecutive hours
  • Pre-hospitalisation and post-hospitalisation for 15 days and 30 days respectively
  • Sum insured of up to Rs. 5 lakh can be availed on an individual and family floater basis

What's Not Included

  • Expenses related to any unproven treatment, services and supplies
  • Diagnostic expenses not related to Covid-19 diagnosis and treatment
  • Any medical expense incurred on day care treatment and OPD treatment
  • Diagnosis and/or treatment undergone outside the geographical limits of India
  • Dietary supplements and substances that can be purchased without prescription

10849 Aditya Birla Cashless Network Hospitals in India

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Corona Kavach Policy User Reviews

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468 User reviews
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What users are saying
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  • Got to know about COVID 19 ins...

    I checked InsuranceDekho to know the detail of the two types of COVID 19 insurance policy. I wanted to know which one shall I choose if I already have a basic health insurance plan. I read about it on the website and confirmed it through Whatsapp before purchasing Aditya Birla Health Insurance’s Corona Kavach Policy.

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    T
    By Tirtha Roy
    On: Invalid date
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Aditya Birla Corona Kavach Policy Brochure

  • 1.47 MB
  • PDF Document
  • Jul 22, 2020
Download PDF

Claim Process at Aditya Birla 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 within 3 days 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 within 3 days 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 Aditya Birla Corona Kavach Health Insurance Policy?

    The sum insured options available under Aditya Birla Corona Kavach Policy ranges between Rs. 50,000 and Rs. 5 lakh in multiples of Rs. 50,000. It can be purchased on an individual and family floater basis. 

  • Does Aditya Birla Corona Kavach policy offer pre-hospitalisation and post-hospitalisation cover?

    Yes, pre-hospitalisation and post-hospitalisation covers are allowed under the Aditya Birla Corona Kavach Policy where pre-hospitalisation expenses are covered for for 15 days prior to the date of hospitalisation or home care treatment, whereas, post-hospitalisation expenses are covered for 30 days from the date of discharge from the hospital or completion of home care treatment.

  • Is any tax benefit option available under this Aditya Birla Corona Kavach Health Insurance Policy?

    Yes, you can earn the tax benefit on the amount of premium paid under this Aditya Birla Corona Kavach Health Insurance Policy. You can avail this benefit as per the section 80D of the Income Tax Act, 1961.

  • What is the term period of the Aditya Birla Corona Kavach Health Insurance Policy?

    The policy periods offered under this Aditya Birla Corona Kavach Health Insurance Policy are of 3.5 months, 6.5 months, and 9.5 months, including waiting periods.

  • Is there any optional benefit offered under Aditya Birla Corona Kavach health insurance policy?

    Yes, there is an optional benefit provided under this plan which includes Hospital Daily Cash. Under this benefit, every insured person will get 0.5% of the sum insured amount per day subject to a maximum of 15 days in a policy period.

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