Corona Kavach Plan and Policy

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

Niva Bupa will cover the medical expenses incurred for hospitalisation of the insured person during the Policy period for the treatment of Covid-19 on positive diagnosis of the condition in a government authorized diagnostic centre including the expenses incurred on treatment of any co-morbidity along with the treatment for Covid-19 up to the Sum Insured specified in the policy schedule, for

a.  Room Rent, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home.

b.  Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.

c.  Surgeon, Anesthetist , Medical Practitioner , Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital

d.  Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.

e.  Road Ambulance subject to a maximum of Rs. 2000/- per hospitalisation for the Ambulance services offered by a Hospital or by an Ambulance service provider, provided that the ambulance is availed only in relation to Covid-19 hospitalisation for which Niva Bupa has accepted a claim under section.

f.  This also includes the cost of the transportation of the insured person from a hospital to the another Hospital as prescribed by a Medial Practitioner.

Policy can be availed by persons between the age of 18 Years and 65 Years, as Proposer. Proposer age aged more than 65 can obtain a Coronavirus health insurance policy for their family, without covering self. Policy can be availed for self and the following family members

1. Legally wedded spouse

2. Parents & Parents-in-law

3. Dependent Children (i.e natural or legally adopted) between the day 1 of age to 25 years. If the child above 18 years of age is financially independent, they shall be ineligible for Coronavirus health insurance plan.

You can avail coverage from Rs. 50,000/- (Fifty Thousand) to Rs 5,00,000 (Five Lacs) under Niva Bupa’s Corona Kavach plan, a specific health insurance policy for coronavirus treatment.

The policy can be bought on Individual basis where the sum insured shall apply to each individual family member. In family floater plan, sum insured shall apply to the entire family.

Three and half months (3½ months), Six and half months (6½ months), Nine and half months (9½ months) including waiting periods after which this health insurance policy for coronavirus kicks in.

Any co-morbid conditions including pre-existing co-morbid conditions will be covered along with COVID-19 up to Sum Insured under Corona Kavach plan.

In this specified health insurance policy for coronavirus, pre-hospitalisation medical expenses means medical expenses incurred during the period of 15 days preceding the hospitalisation/home care treatment of the insured person, provided that:

a. Such medical expenses are incurred for Covid-19 treatment which led to insured person’s hospitalisation/home care treatment

b. The In-patient hospitalisation/home care treatment claim for such hospitalisation/home care treatment is admissible 

Post-hospitalisation medical expenses means medical expenses incurred during the period of 30 days immediately after the insured person is discharged from the hospital/completion of home care treatment provided that:

a. Such Medical Expenses are for Covid-19 which led to the insured person’s hospitalisation

b. The inpatient hospitalisation/home care treatment claim for such hospitalisation/home care treatment is admissible 

Medical Expenses incurred for inpatient care treatment for Covid-19 under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured during the tenure of this coronavirus health insurance policy period as specified in the policy schedule.

An AYUSH Hospital is a healthcare facility wherein medical/ surgical/para-surgical treatment procedures and interventions are carried out by AYUSH Medical Practitioner(s) comprising of any of the following :

a. Central or State Government AYUSH Hospital

 b. Teaching hospital attached to AYUSH College recognized by the Central Government/Central Council of Indian Medicine/Central Council for Homeopathy; or

c. AYUSH Hospital, standalone or co-located with in-patient healthcare facility of any recognized system of medicine, registered with the local authorities, wherever applicable, and is under the supervision of a qualified registered AYUSH Medical Practitioner and must comply with all the following criterion:

i. Having at least 5 in-patient beds;

ii. Having qualified AYUSH Medical Practitioner in charge round the clock;

iii. Having dedicated AYUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried out;

iv. Maintaining daily records of the patients and making them accessible to the insurance company ‘s authorized representative

Corona Kavach indemnity plan is a specific health insurance policy for coronavirus treatment, which covers your hospitalisation, pre-hospitalisation, post-hospitalisation, home care treatment, and treatment of co-morbidities. Corona Rakshak is a different, fixed benefit plan where you get lump sum payout on the diagnosis of Covid-19, followed by a fixed tenure of hospitalisation. Niva Bupa doesn’t offer the Corona Rakshak Plan.