Coronavirus Health Insurance Policy – All you Need to Know


The Coronavirus Pandemic is increasing rapidly in India. We recently crossed the 4 million mark in the number of cases. Along with Maharashtra and Delhi, cases are also increasing in West Bengal, Karnataka and Bihar.

With health insurance becoming a priority in this tough time, the Insurance Regulatory and Development Authority of India (IRDAI) has asked the Insurance companies to process the Covid related claims without delay. If you already have a Health Insurance policy, you are covered with claims related to Coronavirus. It means that the claim will be managed as per the below-mentioned norms:

  1. The Insurance policy will cover the hospitalization charges related to Coronavirus disease.
  2. The policy will also take the medical expenses for treatment of the disease under it’s umbrella.
  3. The medical expenses of the quarantined period will also be reimbursed.

The Health Insurance companies such as Bajaj Allianz, Star Health, National Insurance, ICICI Lombard, Reliance General Insurance etc have come up with Corona Kavach. The premium of these Coronavirus Health Insurance policies are lower than normal health insurance policies and therefore you can easily top-up with these on your existing health insurance policies.


Corona Kavach Health Insurance Policy Details:

1. The sum insured of the Coronavirus Health Insurance policy ranges for different insurance companies differently. Like, for Bajaj Allianz and Nation Health Insurance the sum insured ranges from Rs. 50,000 to Rs. 5,00,000.


2. For most of the insurance companies, the waiting period for the policy is 15 days from the date of issue of the policy.


3. An individual can take this Corona Kavach policy for 3.5 months, 6.5 months, and 9.5 months as per requirment.


4. These Corona Kavach Medical policies covers the cost of PPEs and many other consumables, which standard policies are not covering.


5. There is Pre and Post-Hospitalization cover for up to 15 days and 30 days respectively. 


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