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ICICI Lombard Corona Kavach Health Insurance

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ICICI Lombard Health Insurance
Corona Kavach Policy
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio99.70%
Network Hospitals7,500+
Pre-existing Disease Waiting Period2 year
Special BenefitsAnywhere Cashless
Starting Premium for Rs. 5 lakh SIRs. 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

Corona Kavach Policy User Reviews

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What users are saying
  • All
  • Information on COVID 19 polici...

    InsuranceDekho has every piece of information necessary regarding COVID 19 insurance. I wanted to learn the hospitalisation terms for COVID 19 insurance policy before issuance. I checked the details on the website and bought ICICI Lombard’s Corona Kavach Policy.

    K
    By Kuheli Basu
    On: Feb 22, 2021
  • COVID 19 covered policy

    When the pandemic started, my first priority was to protect my family from the unforeseen. I landed on InsuranceDekho and found out about COVID 19 covered health plans. I checked the companies that offer this health plan and bought ICICI Lombard’s Corona Kavach Policy.

    A
    By Adolina Mohanty
    On: Feb 09, 2021
  • All information on one website

    The best thing about InsuranceDekho website is that it collects all the health insurance-related content on one page. I got ICICI Lombard Corona Kavach Policy as I was looking for a suitable policy plan during the pandemic times. The benefits I have received are perfect for me. 

    M
    By Mita Dutta
    On: Nov 02, 2020

ICICI Lombard Corona Kavach Policy Brochure

  • 145.40 KB
  • PDF Document
  • Jul 23, 2020

Claim Process at ICICI Lombard 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 1-2 days 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 1-2 days 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

  • What are the sum insured options available under ICICI Lombard Corona Kavach Health Insurance Policy?

    ICICI Lombard Corona Kavach Policy comes with sum insurd options of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh; Rs. 2 lakh; Rs. 2.5 lakh; Rs. 3 lakh; Rs. 3.5 lakh; Rs. 4 lakh; Rs. 4.5 lakh; and Rs. 5 lakh. 

  • 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. 
  • 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.
  • 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. 

  • 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.

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