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HDFC ERGO Corona Kavach Health Insurance

526 reviews Rate This
HDFC ERGO Health Insurance
Corona Kavach Policy
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X 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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Corona Kavach Policy User Reviews

4.7
Rating based on
526 User reviews
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What users are saying
  • All
  • Got the COVID 19 insurance pla...

    I landed on InsuranceDekho and got the details of two types of COVID 19 insurance. I chose the Corona Kavach policy offered by HDFC Ergo General Insurance company for my family, so that I can secure them financially if anyone tests positive for Corona.

    Read More

    S
    By Sunidhi Bhatia
    On: Dec 31, 2020
  • No paperwork needed

    Buying a health policy on InsuranceDekho requires no paperwork. I could easily buy the Corona Kavach Policy of HDFC ERGO General Insurance without any documentation. This was very time saving and efficient. Besides, they also emailed me a digital copy of the policy.

    Read More

    P
    By Pankaj Sil
    On: Nov 19, 2020
  • Got my whole family covered

    Corona Kavach Policy by HDFC ergo is a plan that one of my friends recommended me to purchase during these difficult times. I bought this from insurancedekho for my whole family as a shield against coronavirus.

    Read More

    H
    By Happy Singh
    On: Oct 20, 2020
View All Corona Kavach Policy Reviews

HDFC ERGO Corona Kavach Policy Brochure

  • 287.17 KB
  • PDF Document
  • Jul 16, 2020
Download PDF

Claim Process at HDFC ERGO 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 24 hours and for planned hospitalisation intimate within 48 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 24 hours and for planned hospitalisation intimate within 48 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

  • Can I get coverage for Covid-19 hospitalisation under AYUSH treatment?

    Yes, you can get coverage for the medical expenses incurred on in-patient hospitalisation for the treatment of Covid-19 through Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy medications and procedures up to the amount of sum insured.

  • 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.

  • 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. 

  • 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. 

  • 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. 

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