ManipalCigna Corona Kavach Health Insurance
Claim Settlement Ratio | 88.00% |
Network Hospitals | 8,700+ |
Pre-existing Disease Coverage From | 2 years |
Pre-existing Disease Waiting Period | 2 years |
Special Benefits | Unlimited Restoration |
Starting Premium (for 5L SI) | Rs. 566/month |
About ManipalCigna Corona Kavach Health Insurance
The ManipalCigna Corona Kavach Plan is an indemnity health insurance cover that compensates the medical expenses incurred on the treatment of Coronavirus disease (COVID-19). The policy can be purchased by people between the age of 18 years up to 65 years on an individual as well as family floater basis. The sum insured options of this plan range from Rs. 50,000 to Rs. 5 lakh under which different family members get secured like a spouse, dependent children, parents and parents-in-law along with the policyholder.
The policy terms of this ManipalCigna Corona Kavach Policy are of 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. The plan holds several benefits such as Covid-19 hospitalization cover, home care treatment expenses, pre-hospitalisation and post-hospitalisation expenses, AYUSH treatment and so on. The insured members can avail of these offerings after completing the waiting period of 15 days from the date of policy commencement.
Also read: COVID-19 Insurance
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses for Covid-19 treatment
- Pre-hospitalisation and post-hospitalisation expenses
- Home care treatment offered for maximum up to 14 days
- Road ambulance expense up to a maximum of Rs. 2,000 per hospitalisation
- AYUSH treatment expenses incurred for in-patient treatment of Covid-19
What's Not Included
- Expenses related to any unproven treatment, services and supplies
- Dietary supplements and substances purchased without a prescription
- Hospitalisation just for the bed rest and not for treatment
- Diagnostic expenses not related to Covid-19 treatment
- Medical expenses incurred on day care and OPD treatment
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FAQs on Corona Kavach Policy Health Insurance Plan
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Who all can get the coverage under this health insurance plan?
This insurance plan can be purchased by persons between the age of 18 years to 65 years. However, proposers with higher age can also buy this plan for their families, without getting the coverage for themselves. The plan can be availed by different family members such as a spouse, dependent children between 1 day to 25 years, parents and parents-in-law.
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Does this insurance policy offer coverage for AYUSH treatment?
Yes, this plan covers the medical expenses incurred on the in-patient care and treatment for Covid-19 disease under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy procedures and medicines up to the sum insured amount.
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Does this plan provide any optional benefit for policyholders?
Yes, the hospital daily cash benefit is offered under this policy as an optional cover. As per this benefit, the insurer will give 0.5% of the sum insured per day to the insured person for every 24 hours of continuous hospitalization for not more than 15 days during a policy period for every insured member.
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What is the waiting period for this ManipalCigna Corona Kavach Plan?
The waiting period applicable under this insurance policy is of 15 days and no coverage will be given for any expense related to the treatment of Covid-19 before passing this period.