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Future Generali Corona Kavach Health Insurance

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Future Generali Health Insurance
Corona Kavach Policy
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio94%
COVID-19 CoverYes
Network Hospitals8,400+
RenewabilityYes
Special BenefitsComplimentary 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

8359 Future Generali Cashless Network Hospitals in India

Choose Future Generali Critical Illness Plan

Future Generali Corona Kavach Policy Brochure

  • 2.30 MB
  • PDF Document
  • Jul 27, 2020

Claim Process at Future Generali 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 as soon as it occurs and for planned hospitalisation intimate as soon as it occurs 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 as soon as it occurs and for planned hospitalisation intimate as soon as it occurs 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

  • Can I renew my Future Generali Corona Kavach Policy?

    Future Generali Corona Kavach Policy is a short term policy and is not renewable for a lifetime. In case the policy gets expired, you can purchase a new one with a fresh waiting period.   

  • 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
  • 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.
  • 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. 

  • 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  

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