Star Health Corona Kavach Policy

Key Features and Benefits of Star Health Corona Kavach Policy

Star health insurance is offering Corona Kavach Policy with the standard benefits and features that the policy offers:

• It can be purchased as both individual and family floater policy
• The coverage options start from a minimum of Rs 50,000 and maximum Rs 5 Lakh
• As per the IRDAI regulations, 5% discount on premium is provided to healthcare workers including doctors, nurses, etc.
• Co-morbid health conditions are also included in Star Health Corona Kavach policy
• Star health insurance provides direct in-house claim settlement with no involvement of a third-party administrator
• Cashless facility is provided in network hospitals
• Pre-acceptance medical screening is not required
• The premium paid is eligible for tax benefits under Section 80D of the Income Tax Act

Eligibility Criteria

The age criterion to buy Star Health Corona Kavach Policy is given below:

• Adults: 18-65 years
• Children: 1 day- 25 years
• Policy Term – 3.5 months, 6.5 months, and 9.5 months

Inclusions of Star Health Corona Kavach Policy

Star Corona Kavach Policy is a coronavirus health insurance policy that includes the cost incurred on COVID-19 hospitalization treatment. The inclusions of this policy are given below:

COVID Hospitalization Cover

• Pre-hospitalization expenses are paid for 15 days before the date of admission
• Post Hospitalization expenses are paid for 30 days after hospital discharge
• It includes boarding expenses, room rent charges, nursing expenses in a nursing home or hospital
• Intensive Cardiac Care Unit and Intensive Care Unit expenses
• Fees charged by an anesthetist, surgeon, doctor, consultants, specialist
• Cost towards blood, anesthesia, oxygen, medicines, operation theatre charges, ventilator charges, surgical appliances, and drugs
• Costs towards diagnostic imaging modalities, PPE Kits, masks, gloves, and other similar expenses in consumable items hospital
• Road Ambulance charges up to a limit of Rs.2000 for each hospitalization

Coverage for Home Care Treatment Expenses

Upon being diagnosed as COVID-19 positive by a government-authorized Centre, if the treatment is suggested at home, it will be covered for a maximum of 14 per incident provided:

• The doctor has advised the patient to undergo treatment at home
• There is continuous monitoring of health status by a doctor for each day of home care treatment
• Daily monitoring and maintenance of chart including records of treatment administered that is duly signed by the treating medical practitioner
• The policy holder shall be allowed to avail the medical services as prescribed by the doctor
• Under homecare expenses, both cashless & reimbursement facility shall be permissible
• If the policyholder takes the treatment in a non-network-hospital he can file for its reimbursement by taking prior approval from the insurance company before availing such services

It shall cover:

• Prescribed Medicines
• Cost of diagnostic tests at a diagnostics Centre or home
• Cost of oxygen, pulse oximeter, and Nebulizer
• Doctor’s consultation charges
• Nursing charges
• Medical procedures limited to parenteral administration of medicines

AYUSH Treatment Expenses

The policy covers medical expenses incurred for inpatient COVID care treatment on positive diagnosis as per test results in a government authorized diagnostic centre. It also covers co-morbidity treatment along with the Coronavirus treatment up to the sum insured

Optional Cover under Corona Kavach Policy

Hospital Daily Cash Benefit: Star health insurance will pay an additional cash benefit of 0.5% of the coverage amount for each completed day of hospitalization subjected to a maximum of 15 days per policy term

Exclusions of Star Corona Kavach Policy

Star Health Corona Kavach Policy has certain limitations and they are listed below:

• Renewals are not applicable under this policy
• Migration and portability is also not permissible
• There is no free-look period in this policy

Star Health Corona Kavach Policy Terms and Conditions

• The Base Cover is on an indemnity basis and the optional cover is on benefit basis
• Star Health Corona Kavach Policy has an initial waiting period of 15 days from the date of policy purchase
• Hospitalization expenses for at least 24 consecutive hours are admissible

Star Health Corona Kavach Policy Premium

The policy premium is based on the age of the applicant, the policy term chosen, and the amount of sum insured that you opt for. Checkout the below table to have an idea about how much Star Health Corona Kavach Policy is going to cost.

Check-out the premium table for Base cover including tax:

(Source: Star Health and Allied Insurance)

Star Health Corona Kavach Policy FAQs