ManipalCigna Corona Kavach Policy

ManipalCigna Corona Kavach Policy: Key Highlights

*All savings offered by the insurer are as per the IRDAI approval, standard terms & conditions applied

Coverage Offered

Under ManipalCigna Corona Kavach Health Insurance, one can opt for the Individual or Family Floater option with Sum Insured options of up to Rs 5 lakh. The plan offers below mentioned basic coverage:

• COVID Hospitalization Cover: This covers up to the Sum Insured from Rs 50,000 to Rs 5 lakh.
• Pre-hospitalization Cover: A member can claim this policy for 15 days before the date of hospitalization or home care treatment.
• Post-hospitalization Cover: A member can claim this policy after completing hospitalization or home care treatment, 30 days from discharge.
• AYUSH Treatment: ManipalCigna Corona Kavach Health Insurance, if tested COVID positive, covers medical expenses starting from inpatient charges to discharge under Ayurveda, Unani, Siddha, and Homeopathy based on the Sum Insured.
• Home Care Treatment Charges: If the Corona positive patient undergoes treatment under the quarantine of 14 days at home based on the Government diagnostic center's report, they can claim up to Sum Insured.

Inclusions of the Plan

ManipalCigna Corona Kavach Health Insurance policyholders can benefit from first-rate treatment from any registered hospital in India for Coronavirus. The plan safeguards hospital to home care treatment up to the sum insured.  Added to the fundamental treatment are some additional advantages of the online ManipalCigna Corona Kavach Health Insurance. They are:

• Daily Hospital Cash benefit available as an option where every insured can avail of 5% of sum insured amount each day up to 15 days in the hospital during the policy period.
• Policy members can avail of Rs 2, 000 per hospitalization for ambulance charges.

Exclusions of the Plan

ManipalCigna Corona Kavach Insurance Policy has the following exclusions:

• No coverage will be provided if the insured person travels to any country for which the Indian Government has imposed travel restrictions.
• There is no diagnosis and treatment outside the geographical limits of India.
• Coverage is not applicable if declared COVID POSITIVE before the policy start date.
• This policy has no leniency period.
• There are no renewal, portability, or migration terms in this policy.

Features and Benefits of the ManipalCigna Corona Kavach Health Insurance

We can find below the features and benefits of buying ManipalCigna Corona Kavach Health Insurance:

• Affordable coverage all over India
• 5% savings on premium extends to health care workers
• The insured has an option to choose the daily cash benefits.
• No Pre-policy medical check-up is required.
• This is a single premium policy.
• Tax benefits available under Sec 80D of the Income Tax Act

Eligibility Criteria

The minimum eligibility conditions to buy this plan are:    

Cancellation Terms of the Policy

The Insurance Company can cancel the policy at any time on the grounds of misrepresentation, fraud and non-disclosure of facts by the policyholder by giving 7 days' written notice.

Freelook period will not be applicable under this policy as it is a short duration policy.

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