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All About the Corona Kavach Policy

19 April, 2023

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Corona Kavach Policy

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Coronavirus, also known as COVID-19, is a respiratory illness caused by a novel coronavirus. The virus was first detected in Wuhan, China, in late 2019 and has since spread globally, resulting in a pandemic. The virus has caused human suffering, economic disruption, and public health emergencies around the world.

 

The most notable effects of the Coronavirus pandemic have been disruption of daily life, economic downturns, and health risks. The virus has caused widespread trouble in daily life, with social distancing, travel restrictions, and stay-at-home orders drastically altering how people work, shop, and socialise. In addition, the impact of coronavirus has posed serious health risks, with hundreds of thousands of people dying around the world.

 

This blog will discuss the need, features and benefits of the Corona Kavach Policy.

Need

Within a year, COVID-19 disease had a significant impact on lives, pushing people to their limits in the worst ways possible, whether physically, mentally, or financially. However, one thing is certain: one cannot ignore their health at any point in life. Purchasing health insurance is one way to protect our loved ones financially in times of emergency. The following are some of the reasons why purchasing a Corona health insurance is a good idea:

 

  • Minimum Waiting Time: One of the primary advantages of purchasing this policy is the 15-day minimum waiting period.

 

  • Secures Individuals without Medicare: For those who do not currently have health insurance, purchasing a COVID-19-specific health plan is an excellent idea, especially given the benefits offered at a low premium and with a shorter waiting period.

 

  • One-Time Payment: When you purchase a COVID-19 health insurance plan, you do not have to deal with the inconveniences of annual, quarterly, or monthly payments. This one-time purchase ensures that you have medical coverage and are protected in the event of an emergency.

Features 

It is a health insurance policy offered by the Government of India to provide financial protection against the medical expenses incurred due to the novel coronavirus pandemic. It was launched in August 2020 by the Government of India and is available to individuals and families. 

 

  • The policy provides an insured sum of up to ₹5 lakhs per person and a maximum of ₹10 lakhs for a family. The policy also provides a maximum of 30 days of home care treatment and up to 14 days of pre-hospitalisation and post-hospitalisation expenses.

 

  • The policy provides coverage for hospitalisation expenses, medical expenses, pre-hospitalisation expenses, and post-hospitalisation expenses incurred due to the COVID-19 illness. 

 

  • The policy also covers ambulance charges, home care treatment, Ayush treatment, and the cost of buying any essential medical equipment needed to treat the COVID-19 illness.

 

  • The policy can be purchased online or through an insurance broker. The premium for the policy is based on the age of the policyholder, the sum insured, the location of the policyholder, and the type of coverage chosen. The premium can be paid either in a lump sum or in monthly instalments.

Benefits

One of the advantages of the Corona Kavach policy is that it provides coverage for expenses incurred due to COVID-19-related hospitalisation, including doctor’s fees, hospitalisation expenses, cost of medicines, and diagnostic tests. Other advantages are as follows:

 

  • The policy provides coverage for pre-hospitalisation and post-hospitalisation expenses, as well as for home care treatment. In addition, the policy also provides coverage for emergency ambulance charges and for the cost of buying any essential medical equipment needed to treat the COVID-19 illness.

 

  • Another advantage of this policy is that it offers cashless treatment. This means that policyholders do not have to pay out of pocket for any medical expenses incurred due to COVID-19-related hospitalisation. 

 

  • It also offers a no-claim bonus of up to 10%, which means that the policyholder can get a discount on the premium if no claims are made during the policy period.

 

  • The policy also offers the option of portability, which means that policyholders can transfer the policy to another insurer if they are not satisfied with the services provided by the existing insurer. This can be done without any additional paperwork or hassle.


This policy is an ideal option for those who are looking for a comprehensive health insurance policy to protect them against the financial burden of the novel coronavirus pandemic. It provides coverage for hospitalisation expenses, pre-and post-hospitalisation expenses, and as well as for ambulance charges and the cost of buying any essential medical equipment needed to treat the COVID-19 illness. In addition, the policy also offers cashless treatment and the option of portability.

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