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New India Corona Kavach Health Insurance

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New India Assurance Health Insurance
Corona Kavach Policy
Claim Settlement Ratio92.68%
Network Hospitals7,500
PED Coverage Starting From4 years
Pre-existing Disease Waiting Period4 years
Starting Premium 560
Starting Premium for Rs. 5 lakhs SIRs. 560/month

About New India Corona Kavach Health Insurance

The New India Assurance Corona Kavach Policy provides indemnification of medical expenses incurred by the policyholders during their hospitalisation, for the treatment of Coronavirus (COVID-19) during the policy period. It is designed to cover hospitalisation or home care treatment for Coronavirus. All the proposers of this medical insurance cover should be between the age of 18 years and 65 years. The plan is available on an individual and family floater basis, where a maximum of 10 persons are allowed to be covered under this plan. The members of the family who can be covered under this policy are self, spouse, children, parents, and parents-in-law.

When it comes to coverage, the policy holds various sum insured options ranging from Rs. 50,000 to Rs. 5 lakh. Apart from the coverage, the plan is loaded with a range of benefits which include COVID-19 hospitalisation cover, pre-hospitalisation and post-hospitalisation costs, home care treatment expenses, AYUSH treatment and so on. In addition to these, an add-on cover known as hospital daily cash is also available under this health insurance policy. However, all the features and benefits of this plan can be availed only after the completion of a waiting period of 15 days. This standard plan offers a 5% discount to health care workers for their contribution.

Also read: Coronavirus Health Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Home care treatment for Covid-19 for maximum up to 14 days
  • In-patient care for Covid-19 under AYUSH systems of medicines
  • Sum insured of up to Rs. 5 lakh on an individual and family floater basis
  • Hospitalisation costs for Covid-19 treatment for at least 24 consecutive hours
  • Pre-hospitalisation and post-hospitalisation expenses of up to 15 days and 30 days respectively

What's Not Included

  • Diagnostics or treatment taken outside the geographical limits of India
  • Dietary supplements and substances purchased without a prescription
  • Any medical expense incurred on day care treatment and OPD treatment
  • Testing at a diagnostic centre which is not authorised by the government
  • Claims related to diagnosis done before the policy start date

9390 New India Cashless Network Hospitals in India

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New India Corona Kavach Policy Brochure

  • 725.95 KB
  • PDF Document
  • Jul 30, 2020

Claim Process at New India Assurance 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

  • What is the range of sum insured under New India Corona Kavach Health Insurance Policy?

    The sum insured options available under New India Assurance Corona Kavach Policy ranges between Rs. 50,000 and Rs. 5 lakh in multiples of Rs. 50,000. 

  • Which of my family members can get coverage under New India Corona Kavach Health Insurance Policy?

    This health insurance plan offers coverage to people from the age of 1 day to 65 years. The relationships which can be covered under this policy include a legally wedded spouse, dependent children (biological or legally adopted) from 1 day to 25 years old, parents and parents-in-law. However, children who are financially independent and above 18 years of age are not entitled to get the coverage under this plan. 

  • What is the waiting period under this New India Assurance Corona Kavach Health Insurance Policy?

     The waiting period under the New India Assurance Corona Kavach Policy is 15 days from the inception of the policy.

  • Is there any add-on cover available under New India Corona Kavach Health Insurance Policy?

    Yes, this Corona Kavach Health Insurance Policy offers an optional cover namely Hospital Daily Cash. With this add-on cover, the insurer will be entitled to pay 0.5% of the sum insured amount every day for every 24 hours of continuous hospitalisation for maximum up to 15 days to each insured person during a policy period. 

  • Can I earn any tax benefit under this New India Assurance Corona Kavach Health Insurance Policy?

    Yes, you can avail tax benefits on the premium amount paid for New India Assurance Corona Kavach Policy under Section 80D of the Income Tax Act, 1961.

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