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Our lives have significantly changed over the past two years. COVID-19 has had a merciless impact on everyone around the world, pushing us to our limits mentally, physically, and financially. Protecting ourselves and our loved ones against the disease as well as treatment costs became challenging. Thus, the best approach to provide for the loved ones financially in the time of need is by getting Covid 19 health insurance.
The Zuno Corona Kavach Coverage is an affordable health insurance policy that can assist you and your family in fighting off the coronavirus crisis. Keep reading this article to know about its features, eligibility criteria, and most importantly, why it could be a great option for you!
The Zuno Corona Kavach health insurance coverage covers medical expenses paid when receiving Covid-19 treatment in hospitals. It is an indemnity-based coverage that will pay for any medical costs associated with hospitalisation or at-home care that result from COVID-19. You can purchase this Zuno (Edelweiss) Health Insurance policy if you're between the ages of 18 and 65. The policy is available on an individual basis and a family floater basis. Under this policy, you can also include your legally married spouse, dependent children, parents, and parents-in-law in the policy’s umbrella.
Zuno Corona Kavach Policy gives you a flexible sum insured range between INR 50,000 and INR 5,00,000. The policy also provides a variety of coverage benefits, such as road ambulance coverage, pre- and post-hospitalization coverage, in-patient AYUSH treatment coverage, and so on.
Policy Tenure: 3.5 months, 6.5 months, and 9.5 months
Type of Policy: Indemnity-based policy that is available as: Family Floater & Individual Basis
Waiting period: 15 days
Pre and Post Hospitalisation: Pre-hospitalisation: 15 days & Post-hospitalisation: 30 days
Medical Check-Up: Not applicable
Co-Payment: Not applicable
Sum Insured: INR 50,000 to INR 5,00,000
Age Eligibility of Proposer: 18 years to 65 years
AYUSH Treatment: Covered up to the specified limit
Just like all other health insurance policies, the Zuno Corona Kavach Policy has certain eligibility criteria that have to be fulfilled. Given below is the list of requirements:
Minimum and maximum entry age: When buying the policy you need to be in the age group of 18 to 65 years old.
Waiting Time: The Corona Kavach Policy has a 15-day waiting period before any benefits are available.
Sum Insured: The range of the sum insured is from INR 50,000 to INR 5,00,000.
Members Included: The policy can be purchased as an individual policy or as a floater. In the latter case, coverage is available for your spouse, dependent children, parents, and parents-in-law.
Dependent children: Those who are biological or lawfully adopted and are under 25 years old. If the child is over 18 and financially independent, he/ she will not be considered.
Payment Basis: The standard cover is on an indemnity basis, while the optional cover is on a benefits basis.
Under the Corona Kavach Policy offered by Zuno General Insurance, you can avail the following features and benefits:
Certain exclusions have to be taken into account when it comes to health insurance plans. The following are not covered by the Edelweiss Corona Kavach health insurance policy:
Any treatment received outside of India
Daycare treatment costs and OPD treatment costs
Any COVID-19 claim that was diagnosed before the policy's commencement
Hospitalisation only for evaluation and research purposes
Admission largely for rehabilitation, respite care, and rest cure.
When selecting a health insurance plan, it's important to consider both the plan's and the insurance provider's benefits and drawbacks. Zuno Health Insurance is one of the most well-known names in the country's health insurance business. The company provides you with the greatest health insurance products and effective customer support, with a high claim settlement ratio of 99.72% in the fiscal year 2021–22. You can choose to receive the best care with the availability of different Health Insurance Policies by Zuno and no worries about treatment expenses, thanks to a robust network of cashless hospitals.
Under the Corona Kavach Policy, the payment of the basic policy is on an indemnity basis while the optional cover is on a benefits basis.
Yes, home care treatment is covered by Zuno Corona Kavach policy.
Yes, under section 80D, if you pay the premium of the Zuno Kavach policy, you can apply for tax exemptions.
Yes. In the event of any misrepresentation, failure to disclose important information, or fraud on your part, the insurer may, at any time, and with seven days' written notice, cancel your Corona Kavach Policy.
Yes. You can choose to add the Hospital Daily Cash cover to your Zuno Corona Kavach policy to get a benefit of 0.5% of the total insured for each day, up to 15 days in a policy period at the most.