Care Health Corona Kavach Policy

Eligibility Criteria 

Given below is the eligibility criteria for Care Health Insurance Corona Kavach policy:

• Sum Insured - Rs 50,000 to Rs 5 lakh
• Policy Coverage -Individual/ Floater
• Age Limit for Adults - 5 years
• Age Limit for Dependent Children - 1 day
• Family Members Covered Under Floater Plan - Self, legally wedded spouse, parents, parents-in-law, dependent children
• Policy Term - 5, 6.5 and 9.5 months
• Waiting Period - 15 days initial waiting period

Key Features and Benefits of Care Health Insurance Corona Kavach Policy

Take a look at the features and benefits offered by Care (Religare) Health Insurance Corona Kavach policy:

• No Pre-Policy Medical Check-Up- The applicant does not have to undertake a pre-policy medical check-up before buying the policy.
• Wide Sum Insured Options - The plan comes with a wide range of sum insured options, starting from Rs 50,000 to up to Rs 5 lakh in multiples of Rs 50,000.
• Cashless Treatment - The insured can avail cashless treatment at more than 15,500 healthcare providers across the globe. The Care (Religare) Corona Kavach hospital list can be found with the insurer.
• Minimal Waiting Period - This policy comes with a minimum waiting period of the first 15 days as compared to other health insurance plans.
• Quick Processing of Cashless Claims - The insurer has a quick claim procedure where all cashless claims are processed in approximately two hours.
• Savings for Health Workers - This policy provides a savings of 5% on premium to applicants who are health care workers.

Inclusions of Care Health Insurance Corona Kavach Policy 

The following medical expenses are covered under a Care (Religare) Health Insurance Corona Kavach policy:

COVID Hospitalization Cover:

• It covers hospitalization expenses incurred during the treatment of COVID-19.
• It pays for the cost of support items, such as PPE kits, masks, etc. required during the treatment of COVID-19.
• Only medical expenses resulting from hospitalization of 24 hours and more will be covered.

Road Ambulance Cover:

• It covers the cost of availing road ambulance services up to a maximum of Rs 2000 per hospitalization.
• The ambulance charges will be covered only if the patient needs to be hospitalized for the treatment of COVID-19.

Home Care Treatment Expenses:

• It covers the cost of availing home treatment for COVID-19 for a maximum of 14 days.
• The coverage can be availed only if the patient is diagnosed with COVID-19 from a government-authorized diagnostic centre.
• The treatment expenses will be covered only if a doctor has advised for home care treatment.

AYUSH Treatment:

• It covers medical expenses incurred on in-patient treatment for COVID-19 through Ayurveda, Homeopathy, Yoga, Unani, Naturopathy and Siddha systems of medicines.

Pre & Post Hospitalization Expenses:

• It covers pre-hospitalization expenses incurred for up to 15 days before getting admitted to a hospital for COVID-19 treatment.
• It covers post-hospitalization expenses incurred for up to 30 days after getting discharged from the hospital.

Hospital Daily Cash:

• This optional cover provides a daily cash allowance of 0.5% of the sum insured  to the insured for up to a maximum of 15 days.
• Daily allowance will be given only if the patient is admitted for at least 24 hours.

Exclusions of Care (Religare) Health Insurance Corona Kavach Policy 

Take a look at the exclusions under Care (Religare) Health Insurance Corona Kavach policy:

• COVID-19 diagnosis or treatment taken outside India
• OPD and day care treatment expenses
• COVID-19 test conducted at unauthorized testing centres
• Unproven treatment expenses
• Dietary supplements purchased without doctor’s prescription
• Cost of rehabilitation, rest cure and respite care
• Investigative and evaluative treatment expenses

Care (Religare) Health Insurance Corona Kavach Policy Claim Process 

Given below is the claim process for Care (Religare) Health Insurance Corona Kavach policy:

Cashless Claim:

• Go to a network hospital of Care (Religare) Health Insurance Company and get admitted
• Take a cashless claim request form from the hospital and send it to the insurer
• The insurer will issue a pre-authorization letter to the hospital after verification
• Check all the documents and sign the papers during discharge
• Pay for expenses not covered by the insurer

Reimbursement Claim:

• Intimate the insurer about emergency hospitalization within 24 hours and planned hospitalization at least 48 hours before admission
• Arrange all the required documents and send them to the insurer within 15 days in case of a post-hospitalization claim and 30 days in case of hospitalization, home care treatment and pre-hospitalization claims
• The insurer will verify the documents and either accept or reject the claim

Documents to be Submit for Reimbursement Claims:

Care (Religare) Health Insurance Corona Kavach Policy FAQs