Aditya Birla Corona Kavach Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 96% |
Network Hospitals | 10,500+ |
Pre-existing Disease Coverage Starting From | Day 1 |
Special Benefits | Incentivized Wellness |
Starting Premium for Rs. 5 lakh Coverage | Rs. 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
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FAQs on Corona Kavach Policy Health Insurance Plan
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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.
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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.
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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.
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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.