HDFC ERGO Corona Kavach Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About HDFC ERGO Corona Kavach Health Insurance
The Corona Kavach Health Insurance Policy offered by HDFC ERGO General Insurance has been designed to offer coverage against expenses incurred during hospitalization in addition to pre-hospitalisation and post-hospitalisation medical expenses for treatment of Coronavirus (COVID-19). This health insurance plan can be availed by persons between the age of 18 years and 65 years, as a proposer. This indemnity based health insurance plan is available on an individual as well as family floater basis. It provides a wide range of sum insured options from Rs. 50,000 to Rs. 5 lakh, in the multiples of fifty thousand.
This Corona Kavach Plan by HDFC ERGO General Insurance extends its coverage to several relationships which include self, spouse, dependent children, parents and parents-in-law. It comes with different policy terms such as 3.5 months i.e., 105 days, 6 months i.e., 195 days, and 9.5 months i.e., 285 days, including the waiting period. This health insurance policy is equipped with several benefits like in-patient hospitalisation for Covid-19 treatment, home care treatment expenses, AYUSH treatment, etc. An optional benefit of hospital daily cash is also available under this cover.
Also read: COVID-19 Insurance
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation for Covid-19 treatment are covered
- Pre-hospitalisation and post-hospitalisation costs are included
- Home care treatment coverage is given offered for up to 14 days
- Hospital daily cash of 0.5% of the sum insured for up to 15 days
- AYUSH treatment expenses incurred for the treatment of Covid-19
What's Not Included
- Medical costs incurred on OPD and day care treatments
- Hospitalisation for bed rest and not for any treatment
- Dietary supplements and substances bought without a prescription
- Expenses related to unproven treatment, services and supplies
- Diagnostic expenses unrelated or non incidental to Covid-19 treatment
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FAQs on Corona Kavach Policy Health Insurance Plan
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What is the sum insured range offered by Corona Kavach Health Insurance Plan by HDFC ERGO General Insurance?
This Corona Kavach Plan by HDFC ERGO General Insurance offers a wide sum insured range from Rs. 50,000 to Rs. 5 lakh, in the multiples of Rs. 50,000, to an individual as well as families.
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How soon can I avail this health insurance plan after the purchase?
The Corona Kavach Plan by HDFC ERGO General Insurance will compensate your medical expenses related to the treatment of Covid-19 within 15 days from the policy commencement date only. The insurance company will not be liable to pay for any expenses until the expiry of the stated waiting period.
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Does this Corona Kavach Health Policy by HDFC ERGO General Insurance cover home care treatment expenses?
Yes, the insurance company will offer compensation, for the cost of treatment incurred by the insured person, for availing the medical treatment at home for Covid-19 after getting tested positive for coronavirus in a government recognised diagnostic centre or pathology lab for maximum up to 14 days in every case.
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How much is the coverage for pre-hospitalisation and post-hospitalisation expenses?
The insurance company indemnify pre-hospitalisation expenses and pre-hospitalisation expenses and home care treatment expenses incurred for a fixed period of 15 days prior to the date of hospitalisation or home care treatment and for a fixed period of 30 days from the date of discharge from the hospital covered under the insurance provider.