Amidst all the rising concerns about Covid-19 and its treatment, health insurance policies specific to Covid-19 have also made a huge impact. Undoubtedly, vaccines are quintessential but having the right health insurance plan is also a step ahead to safety against Covid. Navi Corona Kavach Policy is a popular health plan offered by Navi which includes all the essential expenses incurred by a Covid patient. Check out the details of the plan in this article.
Coverage specified under Corona Kavach Policy by Navi is divided into two categories- the base cover (those offered to every policyholder by default) and the optional cover (not mandatory for every policyholder and is rather a choice). Here are the details of the same:
Hospitalisation expenses for Covid-19 Treatment: If the patient/insured is referred to the hospital for Covid-19 treatment by a medical practitioner, the following coverage will be provided to the insured by Navi health insurance:
Expenses Incurred on Home Care Treatment: Home care treatment, as the name suggests, is for Covid patients who have only low to mild symptoms and the doctor has advised only home care treatment. Following expenses are covered under Navi Corona Kavach Policy for a maximum of 14 days after the disease has been diagnosed:
Pre-hospitalisation Expenses: Prior to admitting the insured to the hospital for the treatment, if the insured receives home care treatment, the same is covered by Navi General Insurance. Medicines, consultation charges, drugs, diagnostics expenses, etc. Are all covered for a maximum of 15 days.
Post-hospitalisation Expenses: The patient still needs care and expenses are also incurred even after returning from the hospital. So, the admissible post-hospitalisation expenses are covered for a maximum of 30 days.
Ayush Treatment: Ayurveda, Homeopathy, Unani, yoga, or Siddha can also be chosen for the treatment of Covid-19 patients. The charges for the same are also covered under Navi health insurance plans.
Hospital Cash Benefit (Optional Cover): The insured may choose or not choose to opt for this cover. Under this cover, 0.5% of the sum insured is provided to the insured for every 24 hours spent in the hospital.
Exclusion terms are essential to go through before you sign the policy documents. It specifies all the expenses that remain out of the reach of the particular insurance company. Here are some of the exclusions of Corona Kavach policy:
The diagnostics expenses incurred for investigating any other health problem than Covid-19
Rehabilitation care or rest care expenses are not included
Pre-existing covid disease (prior to the purchase of plan)
An unproven disease of Covid-19
Expenses on dietary supplements
When the insured catches Covid-19 disease due to traveling to the restricted areas
Daycare and OPD treatment
Diagnostics or treatment out of India
Diagnostics charges, if done in a non-authorised diagnostics center.
Health insurance policies by Navi have quite basic and simple eligibility criteria so that maximum people can benefit from it. Check out the eligibility criteria below to have better clarity:
Age: 18 to 65 years
Type: You can choose either an individual plan or a family floater plan
Newly wedded spouses are also covered (if married within 60 days of policy purchase)
A newborn baby between the age of 1 day to 180 days
Dependent children between the age of 1 day to 25 years are covered
Filing a claim is the ultimate goal of any health insurance policy as it ensures a helping hand in times of need. You can either file for reimbursement or go for cashless treatment at any of the network hospitals in Navi. Here is the process of filing a claim:
When you seek treatment at a non-network hospital, you would have to make the payment upfront. Post the discharge you would be able to file a reimbursement. Follow the steps given:
Raise a claim either online by visiting the company's website or offline by visiting the nearest branch of the company
Fill out the claim form and submit it along with the required document as asked
You must file the claim within the time frame-
At a network hospital, you have the advantage of making a cashless claim.
Covid-19 has alarmed everyone, guarding up against it to be able to fight your best, is the need of the hour. A Covid-specific plan like the Navi Corona Kavach Policy gives you mental peace that in case of medical urgency, you and your loved one will receive the best possible treatment without you having to worry about the financial burden.
The waiting period is for 15 days from purchasing the Navi Corona Kavach Policy. Within this period, the insured cannot raise a claim.
There are more than 10,000 network hospitals under Navi Insurance.
Exclusions are the coverage features that are not provided to the insured under Covid Corona Kavach Policy.
