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Amid the hard times of the COVID-19 pandemic, the government introduced the Corona Kavach Policy in June 2020. This health insurance policy is considered one of the best covid insurance schemes. It provides coverage for coronavirus health-related problems at reasonable rates. All the health insurers in the country are required to offer a Corona Kavach Policy.
TATA AIG Insurance is considered to be one of the best in business. TATA AIG provides pocket-friendly and comprehensive TATA AIG health insurance plans. One such policy is the TATA AIG Corona Kavach policy. You can purchase the TATA AIG Corona Kavach Policy, which covers the expenses if you or an insured member is diagnosed with Covid and requires hospitalisation.
TATA AIG Corona Kavach provides numerous features to help you in providing a reasonable cover for the medication of coronavirus treatment for your family in unfortunate situations. Mentioned below are some of the key features of the Corona Kavach Policy.
Sum Insured: Sum insured in TATA AIG Corona Kavach Policy ranges from INR 50,000 to INR 2.5 lakhs.
Waiting Period: There is an initial waiting period of 30 days for the TATA AIG Corona Kavach Policy.
Age Limit: Individuals who are between the age of 18 and 65 are eligible to buy the Corona Kavach Policy.
Tax Deduction: Corona Kavach policy provides tax deduction benefits under Section 80D of the Income Tax Act, 1961.
The following situations/ expenses are covered under Corona Kavach Policy:
Coverage for coronavirus treatment
Covid-related pre and post-hospitalisation expenses
Daycare treatments are also covered under the TATA AIG health insurance plans
Corona Kavach policy also covers the ambulance charges
The policy insurance also provides medical health checkups coverage
AYUSH treatment taken in recognised Yoga, Unani, Ayurveda, Homoeopathy, and Siddha centres
Expenses of PPE kits, gloves, and masks are covered.
Before opting for the Corona Kavach coverage, you should take into account the following conditions/ treatments that are not covered by the policy:
Expenses for treatments other than covid
Home quarantine measures
Quarantine expenses at an unauthorised quarantine centre
Treatment not prescribed by a doctor.
Vaccination and its related medical care
Corona Kavach is one of the many health insurance policies by TATA AIG. There are numerous advantages of purchasing a TATA AIG Corona Kavach policy. Some of them are as follows:
Hospitalisation Coverage: The hospitalisation costs associated with COVID-19 are covered by the Tata AIG Corona Kavach Insurance Policy.
Pre and Post-Hospitalisation Expense Coverage: Expenses for taking treatment are not limited to the hospital. With TATA AIG corona kavach policy covers the expenses due to pre and post-hospitalsation as well, for a specified number of days.
Easy Claim Settlement: TATA AIG health insurance offers a streamlined and quick claim process. You can fill out the TATA AIG health insurance claim at the TATA AIG insurance website and enjoy the advantages of cashless insurance over a network of 7200 hospitals across the nation.
Reasonable Rates: While most TATA AIG general insurance health plans include coronavirus coverage, you can also opt for Corona Kavach for added protection for yourself and your loved ones at pocket-friendly premiums.
TATA AIG health insurance plan provides cashless treatment benefits over a network of hospitals across the nation. Suppose you choose to get hospitalised at a non-network hospital. In that case, you can file a reimbursement claim.
Go to the hospital associated with TATA AIG for the cashless procedure
Notify TATA AIG General Insurance within 24 hours of being hospitalised
Once you notify the company, you will be issued a reference number
An authorisation letter will be issued to the concerned hospital, and TATA AIG will settle the medical bill with them directly. You will have to pay only the uncovered expenses.
Notify the company about the hospitalisation, preferable before the admission
Pay for the treatment taken upfront and at the time of discharge, remember to collect all the original documents and medical bills.
Fill out the TATA AIG insurance claim form.
Submit the form with the required documents at the claims page of the TATA AIG insurance website, or visit a branch office physically
TATA AIG will process your claim at the earliest after the due verification.
Keeping the paperwork in order will help in a smooth claim settlement.
In the case of a network hospital, most of the claim formalities would be taken care of by the company. However, you should keep the following documents handy:
Your health insurance policy papers
Filled and signed claim form
Photo identity card
Filled KYC form if the claim is more than INR 1 lakh.
Your health insurance policy papers
Original hospital payment receipt
Original medical bills
Filled KYC form if the bill is more than INR 1 lakh
NEFT acknowledgements for reimbursement.
Corona Kavach Policy by TATA AIG insurance is one of the best and most reasonable covid-19 insurance policies. It is economically feasible. Corona Kavach Policy's major aim is to provide economic protection to you against the expenses incurred during covid treatment. So if you have not yet purchased a coronavirus insurance plan, you can surely go for TATA AIG Corona Kavach Policy to concentrate on your treatment without worrying about medical expenses.
No, costs for any medical measures, including coronavirus vaccination, are not included under the Corona Kavach policy.
Yes, you can file a claim online. You can file and follow up on health insurance claims on the TATA AIG insurance website's claim page. The filing and settlement of claims may be done easily and affordably with the help of our simplified claims procedure.
No, the coronavirus insurance policy only covers hospital and medical expenses inside India.