HDFC ERGO Corona Kavach Policy

The HDFC ERGO Corona Kavach Policy is a very good option in the covid health insurance category. After the pandemic broke out, the IRDA made it compulsory for every health insurance company in India to offer the Corona Kavach Policy. This was done to bring affordable health care to the thousands of people affected by covid. HDFC ERGO is one of the largest health insurance providers, paid heed to this and began to offer the policy. Take a look at this article to know more about what covers you get and why you should buy your covid protection plan from HDFC ERGO.

There are many medical insurers who offer the Corona Kavach Policy, but why should you choose this plan from HDFC ERGO? Well, the company is a very reputed name in India and practically all of the Health Insurance Policies by HDFC ERGO are highly rated. The Corona Kavach Policy is no different. Here are some reasons that make HDFC ERGO an excellent medical insurance company to get associated with:

• High claim settlement ratio

  HDFC ERGO has the most impressive claim settlement ratio among the general insurance providers in India. In 2022, the company topped the charts by settling a whopping 99.8% of the claims. This is a huge benefit of getting the covid cover from this insurer.

• Excellent customer support

  The customer support team of HDFC ERGO is very well-trained, polite and efficient. If you have any queries or issues regarding your health plan, you can call them or write to them and your issue will be resolved at the earliest.

• Wide range of features

  And last but not the least, the policy offers a very wide range of covers. From hospital expenses to ambulance covers, you get a very comprehensive list of features when you choose the HDFC ERGO Corona Kavach Policy.

If you are looking to buy a covid protection policy for yourself and your family, do consider the covid Health ERGO Health Insurance Plans.

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There is a wide range of covers available under this plan. Here is a list of what you can expect from this plan:

• Inpatient care - All the costs related to your stay in the hospital for the duration of the treatment is covered under this plan. These include the bed and room charges, physician charges, ICU charges, nursing charges, etc.
• Pre and post-hospital care - If you require additional care, before or after the hospital stay, you can make a claim. However, this care routine must be related to your covid treatment and recommended by a physician.
• Domiciliary care - At times, a hospital is set up in the house as hospital beds are unavailable or the patient is immobile and unable to physically travel to a hospital. This is known as domiciliary care and is covered under the Corona Kavach Policy by HDFC ERGO.
• Ambulance cover - If you need to use an ambulance to reach the hospital or come back home from the hospital, you can expect to get compensated for the costs.
• AYUSH Care - If you wish to opt for AYUSH care to recuperate from covid, you can make a claim under the HDFC ERGO Corona Kavach Plan.

It is important to note that the HDFC ERGO Corona Kavach Policy only covers complications stemming from covid. You cannot make any claim on this cover if you get hospitalised for any other condition, apart from covid.

While there are many features and covers available under the HDFC ERGO covid health plan, some permanent exclusions are applicable too. Here is a look at the exclusions of this policy:

• Diagnostic Costs - Any diagnostic test carried out to confirm your covid status is not included in the covid care plan. This may be an RT-PCR test, a CT Scan, a blood test, etc. You have to pay for these expenses on your own.
• Dietary supplements - The doctors may recommend dietary supplements as a part of the covid treatment. However, these are not included in the plan and you have to bear the expenses yourself.
• Rehabilitation cure - Any post-covid home care that includes hiring a nurse, going for physiotherapy, etc is not included in the policy.
• Daycare treatments - Daycare treatments are commonly included in most of the Health Insurance Policies by HDFC ERGO. However, since these are largely unrelated to covid, you cannot make a claim for any daycare procedure done under the Corona Kavach Policy.

Keep this list in mind as you need to know the scope of the coverage to make an effective claim under the Health Insurance Policies by HDFC ERGO.

HDFC ERGO has, over the years, offering many excellent medical insurance covers and the Corona Kavach cover is another step in the same direction. Get this plan if you want to safeguard yourself and your loved ones from the very dangerous coronavirus, and live in a safe and happy manner.