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Keeping in mind the havoc created by the spread of Covid-19, having a specialised cover for covid helps in case you have severe symptoms and need hospitalisation. With the Cholainsurance Corona Rakshak Policy, the insured receives a fixed benefit upon diagnosis. Some benefits of the Corona Rakshak Policy are..
Chola MS General Insurance offers various different types of insurance products to its customers. The company has 152 branches throughout the country and a network of 10000+ hospitals, where you can avail of cashless treatment if you have a Chola health insurance plan. The company also offers a covid specific cover called Corona Rakshak Policy. Let us discuss the policy in detail.
Anyone between the age of 18 years to 65 years can buy a Cholainsurance corona rakshak policy. The policy covers children from the age of 3 months to adults up to the age of 65 years. It provides coverage for the policyholder, spouse, children, parents and parents-in-law. The policy can be availed on an individual basis only and provides a lump sum benefit of up to ₹ 2.5 lakhs.
The policy covers hospitalisation due to covid infection. A minimum and continuous 72 hrs hospitalisation is covered under the policy, for which 100% of the sum insured is payable. As it is a fixed benefit policy, the amount received in a lump sum can be used by the insured in any way. The policy offers three term options: 3.5 months, 6.5 months and 9.5 months.
There are certain conditions for which no benefit is paid under the policy. These include;
Chola MS HELP is the company’s in-house health claim processing units, rated as one of the best health claim processing service in 2022. The unit offers both cashless as well as reimbursement claims.
A policyholder can avail of a cashless claim if the treatment is taken at a network hospital. The procedure is as follows;
A claim is reimbursed if the treatment is availed in a non-network hospital. Here is the process of reimbursement of a claim for all the health insurance policies by Chola insurance.
In case you need any assistance during the claim process, contact 24*7 customer care and the company will assist you through the claim process. You can contact customer service at 1800-208-9100, or send a mail to email@example.com or even WhatsApp from your registered mobile number at 7305234433.
To understand why you need covid-specific health insurance like a corona rakshak policy, you need to understand the difference between a standard health plan and a corona rakshak plan.
|Corona Rakshak Policy||Standard Health Insurance Policy|
The sudden covid outbreak caught us all unprepared, though it seems under control now. However, still, no one can avoid getting a covid infection and it affects everyone differently. In such a scenario, it is best to be prepared with a health insurance plan that covers all the expenses incurred in the covid treatment as it is an expensive treatment and the disease management requires a lot of additional expenses other than the medical costs such as PPE kits, waste management, cost of separate monitoring devices for the patient.
Cholainsurance corona rakshak policy provides a fixed benefit which can be used as per the requirement. The plan is available online at the company’s website or you can purchase the plan using the Coverfox app.