National Insurance - Corona Kavach Policy - is a stand-alone, state-of-the-art, COVID-19 cover health insurance cover. There is no pre-policy check-up required to purchase this plan. The Corona Kavach and Corona Rakshak Plans were introduced by the Insurance Regulatory and Development Authority of India (IRDAI), post directions from the Indian Government.
The recent COVID-19 pandemic has created a lot of chaos in people's lives and employment. The vaccine is still in development. Given the rising cost of medical treatment and hospitalization, it is crucial to be well-equipped with a comprehensive national health insurance coverage policy that includes COVID-19 cover. If you already have a healthcare plan, ensure that it covers expenses arising out of COVID-19. You should also check with your employer if the group cover includes COVID-19 expenses.
| Criteria | Features and Benefits |
|---|---|
| Sum Insured | Rs. 50,000/- to Rs. 5, 00,000/- |
| Entry Age | 18 to 65 years |
| Eligibility | |
| Policy Term | |
| Treatment | Allopathy and AYUSH (Up to 100% of SI) |
| Emergency Ambulance | Covered up to sub-limit |
| Pre and Post Hospitalization | 15 days and 30 days |
| Cashless Facility | Only at network hospitals |
| What is Covered? | |
| What is Not Covered? |
Note: All information has been sourced from the official website of the National Health Insurance Company.
Here is a step-by-step guide that will help you with the entire process of making a cashless/reimbursement claim
A cashless claim can be availed in case of an emergency hospitalization or a pre-planned hospitalization
You need to get admitted at a network hospital and furnish your cashless card and KYC details for pre-authorization by the insurer or its authorized TPA
You have to duly fill the cashless claim application form with details from the network hospitals and TPA and send it to the insurer for authorization
Your insurer will go through the relevant documents along with the medical information and cashless claim application form. Post verification, the pre-authorization letter will be issued to the hospital
Once your treatment is complete, you only need to pay for non-medical and inadmissible expenses and sign the discharge card
Note: If you are unable to provide the necessary medical bills and documents, the insurer has every right to reject your cashless claim application
In case of reimbursement, you need to submit all the relevant bills and documents to the insurer after getting discharged from the hospital.
If you do not have a comprehensive health insurance cover, it is advisable to get one for yourself and your family. If you are buying a brand new health insurance coverage policy, make sure that it includes cover for expenses arising out of COVID-19.
