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Cholamandalam MS Corona Kavach Health Insurance

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Cholamandalam Health Insurance
Corona Kavach Policy
Cashless Approval TATWithin 70 minutes
Claim Settlement Ratio94%
Network Hospitals12,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

About Cholamandalam MS Corona Kavach Health Insurance

Cholamandalam Corona Kavach Policy is designed to address the medical insurance needs for the treatment related to Coronavirus (Covid-19) infection. This affordable health insurance plan takes care of your medical expenses at the time of hospitalisation for the treatment of Covid-19. The coverage under this policy shall be offered on an indemnity basis with sum insured options from Rs. 50,000 to Rs. 5 lakh. This cover can be purchased by people between 18 years and 65 years on an individual or floater basis and can be availed by self, spouse, children, parents, and parents-in-law.

The policy term of this health insurance plan is of 3.5 months, 6.5 months, and 9.5 months. However, it can be availed only after the completion of a waiting period of 15 days. There are several benefits offered under this plan which include Covid-19 hospitalisation expenses, home care treatment expenses, AYUSH treatment, pre-hospitalisation and post-hospitalisation, and so on. It also provides an optional cover of hospital daily cash as per which the insured person gets 0.5% of the sum insured amount per day for every 24 hours of continuous hospitalisation for a maximum of up to 15 days.

Also read: COVID-19 Insurance India

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Key Inclusions and Exclusions of the Plan

What's Included

  • Home care treatment cover for maximum up to 14 days per incident
  • Road ambulance subject to a maximum of Rs. 2,000 per hospitalisation
  • In-patient care treatment for Covid-19 under AYUSH systems of medicines
  • Pre-hospitalisation and Post-hospitalisation expenses for 15 days and 30 days respectively
  • Hospitalisation costs for Covid-19 treatment for a minimum period of 24 consecutive hours

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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Cholamandalam MS Corona Kavach Policy Brochure

  • 1.87 MB
  • PDF Document
  • Jul 28, 2020
Download PDF

Claim Process at Cholamandalam 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 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 within 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

  • What all is covered under the Covid hospitalisation cover offered under Cholamandalam Corona Kavach Health Insurance Policy?

    You can get several benefits under COVID hospitalisation cover, which are as follow:

    • Room rent, boarding, nursing expenses as provided by the hospital 
    • Intensive Care Unit (ICU) or Intensive Cardiac Care Unit (ICCU) costs
    • Fees of surgeon, anaesthetist, medical practitioner, consultants, and specialist 
    • Anaesthesia, blood, oxygen, operation theatre charges, ventilator charges, medicine expenses, cost of diagnostics, PPE Kit, gloves, mask and other similar expenses.
    • Road ambulance charges subject to a maximum of Rs. 2,000 per hospitalisation 

  • What are the sum insured options offered under this Cholamandalam Corona Kavach Policy?

    The sum insured options offered under this Cholamandalam Corona Kavach Policy range from Rs. 50,000 to Rs. 5 lakh, in the multiples of 50,000. 

  • Can I renew this Cholamandalam Corona Kavach Health Insurance Policy?

    No, you can not renew this Cholamandalam Corona Kavach Plan, but you will have to purchase a fresh health insurance policy after the expiration of its policy term.

  • Who all can get the coverage under Cholamandalam Corona Kavach Health Insurance Policy?

    People between the age of 1 day to 65 years can get coverage under this health insurance plan. Different relationships which can get insured under this cover include self, spouse, dependent children, parents and parents-in-law. 

  • Can I avail tax benefits under the Cholamandalam Corona Kavach health insurance policy?

    Yes. You can avail tax benefits on the premium paid for Cholamandalam Health Corona Kavach Policy under the section 80D of the Income Tax Act, 1961.

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