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Royal Sundaram Corona Kavach Health Insurance

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Royal Sundaram Health Insurance
Corona Kavach Policy
Claim Settlement Ratio98.60%
Network Hospitals10,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsModern Treatments Such as Bariatric Covered
Starting Premium for Rs. 5 lakhs SIRs. 382/month
Starting Premium of Rs. 5 lakhs SIRs. 382/month

About Royal Sundaram Corona Kavach Health Insurance

Royal Sundaram Corona Kavach Policy is a standard health insurance plan that covers hospitalisation expenses if you get infected with COVID-19. It is an indemnity-based policy that can be purchased on an individual or floater basis. On an individual basis, the sum insured is applied to each individual family member, and on a floater basis, the sum insured is applied to the entire family. Anyone aged between 1 day and 65 years can be covered under this policy. Along with self, you can also include your family members like legally wedded spouse, dependent children (natural or legally adopted), parents, and parents-in-laws.

Royal Sundaram Corona Kavach Policy is a short-term policy that is available for 3.5 months, 6.5 months, and 9.5 months. It comes without any co-payment clause and offers you an optional cover of hospital daily cash. You can buy the policy for sum insured options ranging between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000). Once you complete the waiting period of 15 days, you will be eligible to avail of policy benefits.

Also read: COVID-19 Insurance India

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Key Inclusions and Exclusions of the Plan

What's Included

  • Medical expenses related to COVID-19 in case of at least 24 hours of hospitalisation
  • Pre-hospitalisation and post-hospitalisation expenses for at least 15 days and 30 days respectively
  • Road ambulance expenses covered for up to Rs. 2,000 per hospitalisation
  • In-patient hospitalisation expenses incurred due to AYUSH treatment
  • Expenses incurred on treatment at home on positive diagnosis of COVID-19

What's Not Included

  • Expenses related to any admission primarily for the purpose of diagnostics or evaluation
  • Expenses related to any admission for rest cure, rehabilitation, and respite care
  • Dietary supplements that can be purchased without prescription
  • Expenses incurred on any unproven treatment, services, and supplies
  • Any diagnosis/treatment taken outside the geographical boundaries of India

4963 Royal Sundaram Cashless Network Hospitals in India

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Royal Sundaram Corona Kavach Policy Brochure

  • 183.99 KB
  • PDF Document
  • Jul 27, 2020
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Claim Process at Royal Sundaram 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 48 hours and for planned hospitalisation intimate at least 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 48 hours and for planned hospitalisation intimate within 72 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 are the sum insured options available under Royal Sundaram Corona Kavach Policy?

    Royal Sundaram Corona Kavach Policy is available 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. 

  • What are the documents required to claim for COVID-19 hospitalisation expenses under Royal Sundaram Corona Kavach Policy?

    You are required to submit the following documents to claim for COVID-19 hospitalisation expenses under Royal Sundaram Corona Kavach Policy:

    • Duly filled and signed claim form
    • Copy of your passport, if available (all pages)
    • Photo identity proof (if you do not own a passport)
    • Medical practitioner’s prescription advising admission
    • Original bills with itemized break-up
    • Payment receipts
    • Discharge summary including complete medical history of the patient along with other details
    • Any other relevant document required by the company or the Third Party Administrator for claim assessment. 

  • What is the waiting period under Royal Sundaram Corona Kavach Policy?

    Royal Sundaram Corona Kavach Policy comes with a waiting period of 15 days after which you can start availing the policy benefits.

  • Is there any optional cover offered under Royal Sundaram Corona Kavach Policy?

    Yes. Royal Sundaram Corona Kavach Policy comes with an optional cover named Hospital Daily Cash. If you opt for this, then the company pays 0.5% of sum insured per day subject to a maximum of 15 days in a policy period for every insured member.  

  • Am I eligible to get tax benefits on the premium paid for Royal Sundaram Corona Kavach Policy?

    Yes. You can avail tax benefits on the premium paid for Royal Sundaram Corona Kavach Policy under Section 80D of the Income Tax Act, 1961.

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