ICICI Lombard Corona Kavach Health Insurance
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Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 99.70% |
Network Hospitals | 7,500+ |
Pre-existing Disease Waiting Period | 2 year |
Special Benefits | Anywhere Cashless |
Starting Premium for Rs. 5 lakh SI | Rs. 581/month |
About ICICI Lombard Corona Kavach Health Insurance
ICICI Lombard Corona Kavach Policy is an indemnity-based standard health insurance policy that offers you and your family the most needed protection during pandemic times. As the name suggests, the policy offers cover against medical expenses arising due to COVID-19 on being tested positive at a government authorised diagnostic centre. You can buy this policy if you are aged between 18 years and 65 years and can add a legally-wedded spouse, dependent children, parents, and parents-in-law under it. The policy offers sum insured options ranging between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000).
The terms for which ICICI Lombard Corona Kavach Policy is offered are 3.5 months, 6.5 months, and 9.5 months. The good news is that the policy does not come with any co-payment clause. Also, it does not have any sub-limit on the room rent. You can avail several benefits under the policy such as cover for in-patient hospitalisation expenses, AYUSH treatment, cashless hospitalisation, tax benefits, and so on. But note that before the policy benefits can kick in, you are required to complete a waiting period of 15 days from the date of commencement of the policy.
Also read: Coronavirus Health Insurance
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses incurred for at least 24 hours of admission
- Road ambulance expenses for up to Rs. 2,000 per hospitalisation
- Pre-hospitalisation and post-hospitalisation expenses for up to 15 days and 30 days respectively
- Medical expenses incurred for in-patient care treatment under AYUSH systems of medicines
- Expenses related to home care treatment for up to 14 days
What's Not Included
- Expenses related to COVID-19 treatment taken within 15 days from the date of commencement of the policy
- Any treatment availed outside the geographical boundaries of India
- Expenses related to any unproven treatment, supplies, and services
- Any expenses incurred on daycare treatment and OPD treatment
- Testing done at a diagnostic centre not authorized by the government
4280 ICICI Lombard Cashless Network Hospitals in India
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Claim Process at ICICI Lombard Health Insurance
FAQs on Corona Kavach Policy Health Insurance Plan
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What are the documents required for claim of home care treatment expenses?
Listed below are the documents required at the time of claim for home care treatment expenses:
- Duly filled and signed claim form treatment
- Copy of your passport, if available expenses (all pages)
- Discharge certificate from medical practitioner with date of start and completion of home care treatment
- Photo identity proof of the patient (if you do not own a passport)
- Certificate from a medical practitioner advising treatment at home or consent from you on availing home care benefit
- Medical practitioners’ prescription suggesting hospitalisation
- Daily monitoring chart that includes records of treatment duly signed by the treating doctor.
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Which expenses are covered under in-patient hospitalisation under ICICI Lombard Corona Kavach Health Insurance Policy?
ICICI Lombard Corona Kavach Policy covers you against the following in-patient expenses:
- Room rent, nursing, and boarding expenses
- ICU/ICCU expenses
- Surgeon, medical practitioner, consultant, specialist’s fees
- Anaesthesia, blood, oxygen, surgical appliances, operation theatre expenses, PPE kit, gloves, mask, etc.
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Is there any optional cover offered under ICICI Lombard Corona Kavach Health Insurance Policy?
Yes. ICICI Lombard Corona Kavach Policy offers an optional cover of Hospital Daily Cash. On opting for this, the company will pay you 0.5% of the sum insured every day for every 24 hours of continuous hospitalisation.
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Am I eligible for tax benefits under ICICI Lombard Corona Kavach Health Insurance Policy?
Yes. You can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for ICICI Lombard Corona Kavach Policy.