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Raheja QBE Corona Kavach Health Insurance

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Raheja QBE Health Insurance
Corona Kavach Policy
Claim Complaints Ratio80%
Claim SettlementDedicated Team
COVID-19 CoverYes
Network Hospitals5,000+
Policies Sold135
Renewability Lifelong Renewability

About Raheja QBE Corona Kavach Health Insurance

Corona Kavach Policy offered by Raheja QBE General Insurance covers you and your family for healthcare expenses arising due to positive diagnosis of COVID-19. You can buy this policy if you are aged between 18 years and 65 years, on an individual or family floater basis, for sum insured options between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000). You can include other family members as well under this policy, including legally wedded spouse, natural or legally adopted dependent children, parents, and parents-in-law. One of the policy highlights is that it comes without any co-payment clause or room rent capping. This is a short-term policy that can be purchased for 3.5 months 6.5 months And 9.5 months.

Corona Kavach Policy offered by Raheja QBE provides the policyholders a wide range of coverage benefits, some of which include road ambulance expenses, in-patient treatment availed under AYUSH systems of medicines, in-patient hospitalisation expenses related to COVID-19, home care expenses, expenses related to pre-hospitalisation and post-hospitalisation, etc. The policy also comes with an optional benefit of hospital daily cash that provides you daily cash of 0.5% of the sum insured every day for every 24 hours of continuous hospitalisation. Another advantage of buying the policy is that you can avail tax benefits on the premium paid for it, under Section 80D of the Income Tax Act, 1961. Note that the general waiting period under the policy is 15 days.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • 15 days pre-hospitalisation and 30 days post-hospitalisation expenses
  • In-patient hospitalisation expenses arising due to treatment of COVID-19
  • In-patient AYUSH treatment expenses related to COVID-19
  • Home care treatment expenses up to 14 days per incident
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation

What's Not Included

  • Expenses arising due to admission for the purpose of investigation and evaluation
  • Expenses arising due to rest cure, rehabilitation, and respite care
  • Expenses incurred on daycare procedures and OPD treatment
  • Any treatment availed outside India
  • Claim for COVID-19 where the illness was diagnosed before the commencement of the policy.

6307 Raheja QBE Cashless Network Hospitals in India

Choose Raheja QBE Critical Illness Plan

Claim Process at Raheja QBE 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 as soon as it occurs 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 as soon as it occurs 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

  • Who all can be covered on a family floater basis, under Corona Kavach Policy?

    On a floater basis under Corona Kavach Policy, you can cover self, legally wedded spouse, parents, parents in law, and dependent children aged up to 25 years. Note that if the child is aged more than 18 years, then he/she will not be eligible for family coverage.  

  • What are the sum insured options available under Corona Kavach policy offered by Raheja QBE General Insurance?

    Corona Kavach Policy offered by Raheja QBE General Insurance comes with 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. 

  • Is there any optional cover available under Corona Kavach Policy, offered by Raheja QBE General Insurance?

    Yes. Corona Kavach Policy offered by Raheja QBE General Insurance comes with an optional cover of Hospital Daily Cash. The cover provides you a cash benefit of 0.5% of the sum insured for every completed day of continuous hospitalisation, for up to 15 days. You can avail this benefit in every policy period. 

  • What is the eligibility criteria to be covered under Corona Kavach Policy offered by Raheja QBE General Insurance?

    To be a Proposer for Corona Kavach Policy offered by Raheja QBE General Insurance, you must be aged between 18 years and 65 years. You can also include dependent children under the policy if they are aged between 1 day and 25 years. Kindly note that if the child is aged above 18 years and is financially independent, then he/she will not be eligible for cover on floater basis. 

  • Is there any sub-limit applicable under Corona Kavach Policy offered by Raheja QBE General Insurance?

    Yes. Corona Kavach Policy offered by Raheja QBE General Insurance comes with the following sub-limits: 

    • Hospital Daily Cash: Limit of 0.5% of sum insured per day subject to maximum of 15 days during a policy term, for every insured member
    • Home care treatment: Limit of maximum 14 days per incident. 

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