Tata AIG Corona Kavach Health Insurance
Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 76.04% |
COVID-19 Cover | Yes |
Network Hospitals | 3,000+ |
Policies Sold | 2,20,583 |
Renewability | Lifelong |
About Tata AIG Corona Kavach Health Insurance
Tata AIG Corona Kavach Policy is an indemnity-based standard health insurance policy for COVID-19 related medical expenses. The policy offers cover against medical expenses arising due to COVID-19 on being tested positive at a government authorised diagnostic centre. This policy is available for purchase to people aged between 18 to 65 years. The policy also allows the inclusion of family members including legally-wedded spouse, dependent children, parents, and parents-in-law under it. The sum insured options available under Tata AIG Corona Kavach Policy range between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 50,000).
The Tata AIG Corona Kavach Policy comes with tenures of 3.5 months, 6.5 months, and 9.5 months. You can avail several benefits under the policy such as cover for in-patient hospitalisation expenses, AYUSH treatment, cashless hospitalisation, tax benefits, and so on. The unique features of this policy include no co-payment clause and no sub-limit on room rent. The coverage under the policy is available after an initial waiting period of 15 days.
Also read: COVID-19 Insurance India
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses incurred for at least 24 hours of admission
- Road ambulance expenses for up to Rs. 2,000 per hospitalisation
- 15 Pre-hospitalisation and 30 days post-hospitalisation expenses
- Medical expenses incurred for in-patient care treatment under AYUSH systems of medicines
- Home care treatment expenses for up to 14 days are covered
What's Not Included
- Expenses for treatment related to COVID-19 diagnosed prior to policy start date
- Expenses related to any unproven treatment, supplies, and services
- Any treatment availed outside the geographical boundaries of India
- Any expenses incurred on daycare treatment and OPD treatment
- Testing done at a diagnostic centre not authorized by the Indian Government
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FAQs on Corona Kavach Policy Health Insurance Plan
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What are the documents required for claim of home care treatment expenses?
Listed below are the documents required at the time of claim for home care treatment expenses:
- Duly filled and signed claim form treatment
- Copy of your passport, if available expenses (all pages)
- Discharge certificate from medical practitioner with date of start and completion of home care treatment
- Photo identity proof of the patient (if you do not own a passport)
- Certificate from a medical practitioner advising treatment at home or consent from you on availing home care benefit
- Medical practitioners’ prescription suggesting hospitalisation
- Daily monitoring chart that includes records of treatment duly signed by the treating doctor.
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Which expenses are covered under in-patient hospitalisation under TATA AIG Corona Kavach Health Insurance Policy?
TATA AIG Corona Kavach Policy covers you against the following in-patient expenses:
- Room rent, nursing, and boarding expenses
- ICU/ICCU expenses
- Surgeon, medical practitioner, consultant, specialist’s fees
- Anaesthesia, blood, oxygen, surgical appliances, operation theatre expenses, PPE kit, gloves, mask, etc.
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Is there any optional cover offered under TATA AIG Corona Kavach Health Insurance Policy?
Yes. Optional cover of Hospital Daily Cash is available with TATA AIG Corona Kavach Policy offers. On opting for this, the company will pay you 0.5% of the sum insured every day for every 24 hours of continuous hospitalisation.
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Am I eligible for tax benefits under TATA AIG Corona Kavach Health Insurance Policy?
Yes. You can avail tax benefits under Section 80D of the Income Tax Act on the premium paid for TATA AIG Corona Kavach Policy.