Digit Corona Kavach Policy

To lessen the financial strain caused by the pandemic, the Insurance Regulatory and Development Authority of India introduced the Corona Kavach Policy in June 2020. It offers affordable coverage for hospitalisation required for treatment of covid-19. Every health insurance provider in the nation is obligated by the IRDAI to provide a Corona Kavach policy. To know more about it, keep reading.

Corona Kavach Policy by Godigit is one of the many health insurance policies by Godigit. This is a standard health insurance plan, for the coverage of expenses incurred due to covid-related hospitalisation. Godigit Corona Policy is a cost-effective, single-time payment cover that assists in managing the financial strain and medical costs of those who are diagnosed with covid and require hospitalisation for over 24 hours.

• The proposer/ policyholder should be in the age group of 18-65 years

• The policy can be bought on a family floater as well as individual basis

• Apart from yourself, you can cover your spouse, parents, parents-in-law and children

• Financially dependent children can only be included till 25 years of age.

Godigit Corona Kavach Policy is a health insurance plan related to COVID-19 from Godigit Health Insurance. Here are some of the major inclusions of the policy

• Hospitalisation Charges: All covid-related In-patient expenses are covered up to the specified limits. Also, 15 days pre-hospitalisation and 30 days post-hospitalisation charges incurred due to covid medication are covered.

• Charges for Home Care: If a doctor recommends the insured to receive home care treatment for some reason, in that case, the charges incurred, for example, oxygen cylinder, attendant, consultation charges, pulse oximeter expense, etc., are covered.

• AYUSH Treatment: Costs for inpatient care and medication for a patient who is covid-positive and takes treatment in a government-approved AYUSH hospital are covered.

• Ambulance Cost: It covers ambulance costs up to INR 2,000 per hospitalisation.

Corona Kavach Policy from Godigit does not include the following:

• Hospitalisation below 24 hours

• Claims regarding covid prior to the start of the plan

• Treatments without a doctor’s prescription

• Daycare and OPD procedures

• Treatments taken overseas.

Corona Kavach scheme is one of the many Godigit health insurance plans, and just like all health plans, there are some essential factors that you need to consider before buying.

• Waiting Period: The waiting period for Corona Kavach Policy is 15 days. During this period, you would not be able to make a claim.

• Suitable Sum Insured: You should choose the sum insured as per your requirements. In case you have a bigger family or there are elderly to be covered choosing a higher sum insured is recommended. However, the amount should also be according to their ability to afford the premium.

• Hospital Daily Cash: You need to check if the insurer is providing additional hospital daily cash coverage.

• Policy Tenure: The tenure of the policy should be considered before buying the policy, as its a short-term plan, you would have to chalk out your immediate needs.

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Godigit General Insurance provides this Corona Kavach plan and it has varied advantages. The benefits are:

• Lower Waiting Period: The waiting period of the plan is 15 days only. 15 days must pass following the purchase of the Corona Kavach cover before you can make a claim and receive benefits.

• Reasonable Premium: The Corona Kavach was introduced by the IRDAI with the intention of easing people's financial burdens in these unsettling times, and as a result, it is reasonably priced.

• Single-Time Premium: In contrast to an annual premium, the Corona Kavach premium is only due at the time of purchase.

• Wide network of hospitals: Godigit provides access to more than 10,500 network hospitals for cashless claims.

Godigit Corona Kavach Policy is one of the best health insurance policies by Godigit and the following people should consider buying the Corona Kavach Policy.

• Individuals who don't have any health insurance plan for themselves and their families

• If you have a basic health insurance plan, with a modest sum insured then you should buy Corona Kavach Policy to get benefits solely related to COVID-19

• Aged people who are more prone to this disease

• Individuals with pre-existing diseases.

There are two different kinds of claim procedures. Informing the company in advance about a hospitalisation is highly recommended but in case of emergency hospitalisation, you can inform the company within 24 hours.

Steps for Cashless Claim Procedure

Cashless Claims are only available when treatment is received in a network hospital. Follow these steps when going for a cashless claim:

• Cashless medication will be provided only in the network hospital and will require a pre-approval letter from Godigit.

• The cashless request form should be filled out and sent to Godigit for approval

• Godigit, after receiving the request, will first verify all the original documents and then grant a pre-approval letter to the hospital.

• After that Godigit will directly resolve your claim with the hospital. And you only have to settle the additional charges excluded from the policy.

Steps for Reimbursement claim

For reimbursement claim settlement, you will have to make the bill payment from your pocket. However, you can claim reimbursement post-discharge for which you must provide all the treatment-related documents in the provided time frame.

• For pre-hospitalisation - within 30 days of discharge

• For post-hospitalisation - within 15 days of the treatment

• For home care - within 30 days subsequent to the treatment being completed.

While Godigit requires minimal documentation, it is recommended that you keep the following documents handy when claiming Godigit Corona Kavach Policy:

• Photo identity proof
• Signed and filled out a claim form
• Doctor's prescription for the treatment
• Original payment receipt and bills
• Original Discharge statement
• NEFT details

Godigit Corona Kavach program is a considerably reasonable health insurance plan. It is indeed one of the best policies offering coverage against the high-cost COVID-19 treatment. It helps in managing the expenses incurred due to coronavirus treatment. So if you have not bought any health insurance policy, you should surely consider buying this, in order to safeguard yourself and your family.