Reliance Corona Kavach Health Insurance
Cashless Approval TAT | 4 hour Cashless Claim Processing |
Claim Settlement | 100% |
Network Hospitals | 8,600+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | More Cover, More time, More Global |
Starting Premium for Rs. 5 lakhs coverage | Rs. 243/month |
About Reliance Corona Kavach Health Insurance
With the Reliance General Corona Kavach Policy, you can get coverage for the treatment costs of Coronavirus (Covid-19) for you and your family members. The policy starts protecting you from the day you get diagnosed with COVID-19 infection after the completion of a nominal waiting period of 15 days. The treatment expense of this novel virus could be prolonged and very expensive, thus, to avoid the financial burden and to take care of your hospitalisation costs, this plan offers a wide variety of sum insured options ranging from Rs. 50,000 to Rs. 5 lakh, which can be availed on an individual as well as family floater basis.
The minimum and maximum entry age for this policy are 18 years and 65 years respectively, however, the plan gives coverage from the age of 1 day only. The coverage can be offered to different relationships which include self, legally wedded spouse, dependent children, parents and parents-in-law. This health cover offers you several benefits such as hospitalisation cover, home care treatment cover, AYUSH treatment, etc. The treatment of Covid-19 during hospitalisation can generate the requirement of cash on a daily basis, hence, this plan holds an add-on cover that gives you daily cash pay-out for every 24 hours of hospitalisation for a maximum up to 15 days.
Also read: Coronavirus Health Insurance
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Key Inclusions and Exclusions of the Plan
What's Included
- Hospitalisation cost coverage for Covid-19 treatment
- Home care treatment expenses for up to 14 days
- Road ambulance charges for up to Rs. 2,000 per hospitalisation
- In-patient care treatment for Covid-19 under AYUSH procedures
- Pre-hospitalisation and post-hospitalisation cover for up to 15 days and 30 days respectively
What's Not Included
- Treatment taken or diagnosis done outside the country
- Expenses of treatment taken for any pre-existing disease
- OPD and daycare treatments
- Dietary Supplements and Substances purchased without prescription
- Claims related to Covid-19 where diagnosis is done before the policy start date
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FAQs on Corona Kavach Policy Health Insurance Plan
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What all expenses are covered under the Home Care Treatment cover?
The Home Care Treatment benefit under this plan covers the medical expenses incurred on the home treatment for Covid-19 for a maximum of 14 days during a policy term. This coverage includes the following:
- Consultation fees of the doctors
- Nursing charges of the medical staff
- Diagnostic tests undergone at home or any pathology lab
- Medicines and drugs with proper prescriptions
- Costs of oxygen cylinder, pulse oximeter, and so on.
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Does Reliance Corona Kavach Health Insurance Policy offer any add-on cover?
Yes, this Reliance General Corona Kavach Health Insurance Policy provides an optional cover known as Hospital Daily Cash. As per this coverage, the insurance provider will pay 0.5% of the sum insured amount per day for every 24 hours of continuous hospitalisation for maximum up to 15 days during a policy period subject to each insured person.
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What is the waiting period under Reliance General Corona Kavach Health Insurance Policy?
The Reliance General Corona Kavach Policy comes with a waiting period of 15 days. Its plan benefits can be availed only after this waiting period is completed.
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Can I avail tax benefits under this Corona Kavach health insurance policy?
Yes, you can earn the tax benefits on the premium paid for Reliance General Corona Kavach Health Insurance Policy. The tax deductions will be applicable as per the Section 80D of the Income Tax Act, 1961.