Future Generali Corona Kavach Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
Network Hospitals | 8,400+ |
Renewability | Yes |
Special Benefits | Complimentary Teleconsultation |
About Future Generali Corona Kavach Health Insurance
Future Generali Corona Kavach Policy is an affordable health insurance policy that offers you protection against medical expenses arising due to a positive diagnosis of the pandemic declared coronavirus (COVID-19). Available on an individual and 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-law under this policy. The policy covers newborn babies from day 1. You can purchase the policy for sum insured option ranging between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000). The best part of buying this policy is that it covers you for several medical expenses and comes without any co-payment clause. The policy gives you an option to buy hospital daily cash cover as well.
Future Generali Corona Kavach Policy also covers comorbidity arising out of treatment in Covid-19. Note that to be covered under the policy, you are not required to continue paying the premium as this is a short-term plan that is available only for 3.5 months, 6.5 months, and 9.5 months. You can start availing of policy benefits after completing a waiting period of 15 days. The days are calculated from the date of commencement of the policy.
Also read: COVID-19 Insurance India
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Key Inclusions and Exclusions of the Plan
What's Included
- Cover for road ambulance expenses for up to Rs. 2,000 per hospitalisation
- In-patient hospitalisation expenses related to COVID-19
- 15 days pre-hospitalisation and 30 days post-hospitalisation cover
- In-patient treatment for COVID-19 taken with AYUSH systems of medicines
- Cover for home care treatment for up to 14 days availed on positive diagnosis of COVID-19
What's Not Included
- Expenses related to inoculation and vaccination
- Any COVID-19 related claim where it has been diagnosed prior to the commencement of the policy
- Expenses related to daycare treatment and OPD treatment
- Any treatment or diagnosis done outside the limits of India
- Hospitalisation primarily for investigation and evaluation purpose
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FAQs on Corona Kavach Policy Health Insurance Plan
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What is the policy term for Future Generali Corona Kavach Policy?
Future Generali Corona Kavach Policy is available for the following terms:
- 3.5 months or 105 days
- 6.5 months or 195 days
- 9.5 months or 285 days
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Which expenses are covered for home care treatment under Future Generali Corona Kavach Policy?
Future Generali Corona Kavach Policy covers you for the following medical expenses related to home care treatment incurred due to COVID-19:
- Diagnostic tests undergone at home
- Medicines prescribed in writing
- Nursing expenses
- Medical procedures limited to parenteral administration of medicines
- Expenses related to a pulse oximeter, nebulizer, and oxygen cylinder.
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Is pre-insurance medical test required to be covered under Future Generali Corona Kavach Policy?
No. No pre-insurance medical test is required to be covered under Future Generali Corona Kavach Policy irrespective of the sum insured and age of the insured.
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Which hospitalisation expenses does Future Generali Corona Kavach Policy cover me for?
Future Generali Corona Kavach Policy covers you for the following COVID-19 related hospitalisation expenses:
- Room rent, nursing, and boarding expenses
- ICU/ICCU expenses
- Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist’s fees