Niva Bupa Corona Kavach Health Insurance
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Cashless Approval TAT | 30 mins Cashless Claim Processing |
Claim Settlement Ratio | 90.70% |
Network Hospitals | 10,000+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | Unlimited restoration |
Starting Premium for Rs. 5 lakhs SI | Rs. 550/month |
About Niva Bupa Corona Kavach Health Insurance
Corona Kavach Policy offered by Niva Bupa Health Insurance is an affordable short-term policy that covers treatments related to a positive diagnosis of COVID-19. It is a standard medical insurance policy that was launched by the Insurance Regulatory and Development Authority of India (IRDAI) to cover both individuals as well as families. To be the proposer of this indemnity-based health insurance policy, you must be aged at least 18 years. The maximum age to be the Proposer for this policy is 65 years. You can also include dependent children under the plan if they are aged between 1 day and 25 years. The policy can be bought for sum insured options between Rs. 50,000 and Rs. 1 Lakh, in multiples of Rs. 50,000. Kindly note that the premium varies with different sum insured options.
This short-term policy can be purchased for 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days). The policy comes with a short waiting period of 15 days which is calculated from the date of commencement of the policy, after which you will be eligible to avail coverage benefits. The policy offers wide coverage for healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, AYUSH treatment expenses, road ambulance expenses, and so on. Apart from this, you can also avail of tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961. One of the highlights of the policy is that you do not require any pre-acceptance medical screening to be covered under it.
Also read: COVID 19 Insurance
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses arising due to positive diagnosis of COVID-19
- In-patient AYUSH treatment expenses related to COVID-19
- Home care treatment expenses for up to specific days
- Road ambulance expenses for up to Rs. 2,000 per hospitalisation
- 15 days pre-hospitalisation and 30 days post-hospitalisation expenses
What's Not Included
- Treatment for the purpose of investigation and evaluation
- Daycare treatment and OPD treatment
- Any COVID-19 related claim for which the diagnosis was done before commencement of the policy
- Treatment taken outside India
- Hospitalisation for rest cure, respite care, or rehabilitation
10059 Niva Bupa Cashless Network Hospitals in India
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Claim Process at Niva Bupa Health Insurance
FAQs on Corona Kavach Policy Health Insurance Plan
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What are the sum insured options available under Niva Bupa Corona Kavach Policy?
Niva Bupa Corona Kavach Policy comes with a wide range of sum insured 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, which you can choose as per your budget and other requirements.
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Can I include my parents under the Niva Bupa Corona Kavach Policy?
Yes. Apart from self, you can include a legally wedded spouse, dependent parents, and dependent children under this policy.
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Is the policy renewable for lifetime?
No. As Niva Bupa Corona Kavach Policy is a short term policy, it does not offer lifetime renewability benefit. To continue availing the policy benefits, you will be required to buy a new policy.
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Is there any limit on the road ambulance expenses covered under Niva Bupa Corona Kavach Policy?
Yes. Niva Bupa Corona Kavach Policy covers emergency road ambulance expenses for up to Rs. 2,000 per hospitalisation.