SBI Corona Kavach Health Insurance
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Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 66.08% |
COVID-19 Cover | Yes |
Network Hospitals | 6,000+ |
Policies Sold | 7,56,443 |
Renewability | Lifelong |
About SBI Corona Kavach Health Insurance
Corona Kavach Policy, SBI General is an affordable indemnity-based medical insurance policy that covers you and your family against several healthcare expenses arising due to a positive diagnosis of COVID-19. Individuals aged between 18 years and 65 years can buy this policy on an individual or family floater basis. If covered on a family floater basis, you can include self, legally wedded spouse, dependent children, parents, and parents-in-law under this policy. The minimum and maximum age for dependent children is 1 day and 25 years respectively. If the child aged more than 18 years is financially independent, then he/she would be ineligible to be covered on a floater basis. If covered on an individual basis, the sum insured would be applicable to every family member individually, whereas if covered on a family floater basis, the sum insured will be applied to the entire family.
Corona Kavach Policy offered by SBI General Insurance comes with sum insured options between Rs. 50,000 and Rs. 5 Lakh in multiples of Rs. 50,000 with policy term options of 3.5 months, 6.5 months, and 9.5 months. The policy covers you for several healthcare expenses some of which include room rent, nursing and boarding expenses, AYUSH treatments, pre-hospitalisation and post-hospitalisation expenses, home care treatment expenses, etc. Also, the policy comes with an add-on benefit which you can voluntarily opt for by paying an extra premium at the time of policy purchase. As the ongoing pandemic is affecting the lives and livelihood of many individuals, this policy will be helpful as it keeps you protected against the financial implications and stress due to the COVID-19 crisis.
Also read: COVID-19 Insurance India
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- Treatment taken under AYUSH systems of medicines is included
- Pre-hospitalisation and post-hospitalisation expenses for up to 15 days and 30 days respectively
- Home care treatment expenses
- Road ambulance expenses for up to Rs. 2,000 is included under the plan
What's Not Included
- Treatments for evaluation and investigation
- Treatment due to breach of law with criminal intent by insured
- Expenses that are not related to or not incidental to the current diagnosis and treatment
- Rest cure, rehabilitation, and respite care
- Expenses related to OPD consultations and daycare treatments
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FAQs on Corona Kavach Policy Health Insurance Plan
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What are the sum insured options available under SBI General Corona Kavach Policy?
SBI General 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.
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Can I avail tax benefits under SBI General Corona Kavach Policy?
Yes. You can avail tax benefits on the premium paid for SBI General Corona Kavach Policy under Section 80D of the Income Tax Act.
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Is there any add-on cover offered under Corona Kavach Policy offered by SBI General Insurance?
Yes. Corona Kavach Policy offered by SBI General Insurance comes with an add-on cover of hospital daily cash which you can opt for at the time of policy purchase, by paying a little extra premium. The add-on provides you 0.5% of the sum insured every day for every 24 hours of continuous hospitalisation for admissible claims. The benefits shall be payable for up to 15 days during a policy term.
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Which medical expenses are covered under in-patient treatment under SBI General Corona Kavach Policy?
Following medical expenses are covered under in-patient treatment under SBI General Corona Kavach Policy:
- Room rent, boarding, and nursing expenses
- Operation theatre expenses, anaesthesia, oxygen, blood, surgical appliances, PPE kit, gloves, medicines that you consume during the stay at hospital and so on
- Doctor, Consultant, Surgeon, Anesthetist, Medical Practitioner’s fee
- ICU/ICCU expenses
- Road ambulance expenses for up to Rs. 2,000 per hospitalisation