As the new COVID-19 strain made its debut, the coronavirus battle is still on! Mask and sanitizer are the armaments that keep you at bay from the lethal virus. But, Corona kavach policy acts as your safety shield on the battlefield. It is an affordable health insurance policy specifically designed to cover treatment and hospitalization expenses for coronavirus. You can opt for yourself and your family. It helps the policyholders to recover in the comfort of the home. It is a new policy; thus, you should be extra cautious while opting for it. Here is your go-to guide:

Benefits of Corona Kavach Policy

It is the most comprehensive health insurance plan if you are looking specifically for COVID-19 coverage. With extensive coverage, it offers some really significant benefits listed below:

• Hospitalization Expenses: It covers hospitalization expenses to treat the infection, including room, nursing charges, ICU, ventilator charges, and more.
• Pre and Post Hospitalization Expenses: The policy covers medical expenses 15 days before Hospitalization/Home Care Treatment & 30 days from the discharge date from Hospital/completion of Home Care Treatment.
• Sum Insured Option: You get the option to choose the sum insured up to Rs. 5 lakhs according to your and your family healthcare needs considering pandemic.
• Less Waiting Period: Less waiting period is a sigh of relief for many. It has only a 15 days waiting period right after the policy issuance.
• Nominal Sub-Limit: The policy also has sub-limits, but it is comparatively lesser than other health insurance plans.
• Home Care Treatment: If prescribed by the Medical Practitioner, you can opt for home care treatment under this policy maximum of 14 days per incident (depending on the policy terms and conditions).
• Hospital Daily Cash: You can opt for hospital daily cash as an additional cover under the Corona kavach policy up to a fixed percentage for 24 hours of hospitalization for COVID-19 treatment.
• Cashless Hospitalization Facility: Now, you do not need to worry about cash for corona treatment. Yes! Simply pick the network hospitals (authorized for corona treatment) and avail cashless hospitalization facility under the policy. Check companies like Care Insurance have 8350+ cashless healthcare providers to get this facility.
• AYUSH Coverage: If you believe in Ayurveda and other alternative medicines, you can get the AYUSH (Ayurveda, Unani, Sidha, & Homeopathy) coverage for sustainable recovery.
• Tax Benefits: Alike other health insurance plans, you can also avail of tax benefits under this health insurance dedicated for coronavirus treatment.

How to Choose Corona kavach Policy?

While looking for this health insurance with corona coverage, you may get a plethora of options from different health insurance companies. Below are essential factors you should consider before choosing the policy:

• Check eligibility criteria and opt for the plan with lifelong renewability
• Look for maximum coverage with minimal exclusions
• Compare the health insurance premium of the leading companies and opt for the most affordable one
• Check if the policy covers diagnostic and home care
• Opt for the plan with nominal sub-limit
• Check the list of the network hospitals cover under the policy
• Read the online reviews and check the customers’ ratings about health insurance companies

Top Health Insurance Companies Offer Corona kavach Policy

• Care Health Insurance
• HDFC Ergo Health Insurance
• IFFCO Tokio
• Max Bupa Health Insurance

How to Claim Under Coronavirus Health Policy?

Good brands offer hassle-free claim settlement. Under the policy, you can claim in two ways:

Cashless Facility	Reimbursement
Fill the pre-authorization form	Submission of claim form along with required documents, as per the policy terms & conditions
Approval letter sent by the claim management team	Approval letter sent by the claim management team
A query may raise, and the hospital/Insured need to respond	A query may raise, and the hospital/Insured need to respond
In case of rejection, you may initiate the treatment and file for reimbursement claim	In case of rejection, the reason will be communicated.

Thus, it’s never too late when it comes to rescuing yourself and your family against a medical emergency during a pandemic. Opt for Corona kavach policy now to stay worry-free.