Corona Kavach Policy
Specialised indemnity product for the treatment of COVID-19
The COVID 19 pandemic has brought to the fore the immense need for health insurance. As cases of infection rise each day, no one is truly safe. With lockdowns slowly being lifted, the question of the hour is – Are you adequately insured against coronavirus complications?
Let, IFFCO-Tokio General Insurance Co. Ltd. help you respond to that question with a resounding YES! Our Corona Kavach Health Insurance Policy is the ideal armour that will shield you against costly medical bills while ensuring you get access to the best treatment that you do deserve!
In keeping with the regulations of the IRDAI, IFFCO Tokio General Insurance Co. Ltd. offers health insurance designed to cover treatment for the infection brought on by the novel coronavirus. You can purchase a Corona Kavach Health Insurance Plan for individual coverage or opt in for the Corona Kavach Family Health Insurance Plan to secure all those you hold dear.
The Corona Kavach Health Insurance Policy offers coverage for your medical needs while getting treatment for COVID 19. Under this policy, you don’t need to run around gathering funds at the last minute; you are protected so that you can access life-saving medical care. The coverage offered by our Corona Kavach Health Insurance Policy extends to include the costs of hospitalisation, pre- and post-hospitalisation care, and home treatment for COVID 19 as per the policy’s sum insured.
IFFCO-Tokio General Insurance Co. Ltd. is a trusted name in the field of insurance in India. With over 7500+ network hospitals and 20,000+ agents and branches, we truly aim to make coverage for healthcare accessible. We have a noteworthy claim settlement ratio of 93%, having honoured to serve millions of households Buy a Corona Kavach Health Insurance Plan from IFFCO-Tokio General Insurance Co. Ltd. and truly breathe easy!
Under the Corona Kavach Health Insurance Policy you enjoy the following benefits:
The plan covers COVID-19 hospital expenses up to the sum insured of the policy. Cost of consumables such as PPE kits are also covered. Coverage also extends to any kind of makeshift treatment centre approved by the Government.
You can buy coverage for your whole family under the Corona Kavach Family Health Insurance Plan.
Our Corona Kavach Health Insurance Plan includes coverage for inpatient care from treatments such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH).
Your pre-hospitalisation expenses will be covered for a period of 15 days prior to hospital admission. Post-hospitalisation charges are covered for a period of 30 days from the day of discharge.
Telemedicine consultation charges are also covered under our Corona Kavach Health Insurance Plan.
When buying our Corona Kavach Health Insurance Plan, you can comfortably choose the sum insured from a range between Rs 50,000 and Rs 5 lakhs, depending on your coverage needs.
The Corona Kavach Health Insurance Policy can be purchased by the principal insured from the age of 18 to 65 years. Coverage age is from day 1 to 65 years.
You can choose your ideal Corona Kavach Health Insurance Plan from the available short-term tenure options of 3 ½ months, 6 ½ months, and 9 ½ months.
While we strive to provide you with the best in health insurance, all health insurance policies do come with a set of exclusions. Under the Corona Kavach Health Insurance Policy to there are certain exclusions. These consist of, but are not limited to:
The coronavirus pandemic shows no signs of abating. Thus, everyone requires a Corona Kavach Health Insurance Policy. This holds true even if you have a standard medical policy in place. If you lack any kind of medical coverage, then the Corona Kavach Health Insurance Policy is absolutely essential. The COVID 19 pandemic has indeed shown us all the importance of filling any gaps in our health insurance.
Moreover, buying a Corona Kavach Health Insurance Policy can:
Protect your savings
Your Corona Kavach Health Insurance Policy will help you avoid exhausting your savings for COVID 19 treatment by covering expenses for hospitalisation as well as pre- and post-hospitalisation care.
Reduce stress
We understand that the pandemic can be a trying time for you. Knowing you have an insurance plan to back you up can truly bring peace of mind.
Secure your loved ones
The Corona Kavach Health Insurance Policy can be purchased as a family floater plan too. Your family means the world to you and this plan helps you secure the ones you love the most.
The Corona Kavach Health Insurance Policy keep is your finances protected should you need treatment for COVID 19. Additionally, this policy can also offer you the following benefits:
Tax benefits
The premium you pay for your insurance policy is eligible for tax benefits as per section 80D of the Indian Income Tax Act.
Coverage for consumables
The cost of PPE kits and other consumables used are covered. No capping on room rent
Under the Corona Kavach Health Insurance Policy, there is no cap on the room rent.
The Corona Kavach Policy and the Corona Rakshak Policy have both been designed to offer the coverage you need for COVID 19. However, there are certain features that distinguish these two health policies from one another. To help you understand, we have listed 3 main points of difference below.
Corona Kavach is an indemnity-based plan that covers COVID-19 hospitalization costs. On the other hand, Corona Rakshak is a benefit-based plan that provides 100% payout of the sum insured upon diagnosis of COVID-19.
The Corona Kavach Policy gives SI from Rs 50,000 to Rs 5 lakhs and the Corona Rakshak Policy gives SI between Rs 50,000 to Rs 2.5 lakhs.
The Corona Kavach Policy can be bought on an individual basis or as a family floater plan. The Corona Rakshak Policy only offers individual coverage.
IFFCO-Tokio General Insurance Co. Ltd. offers you a truly simplified means of buying your very own Corona Kavach Health Insurance Policy. You can walk into any of our offices and have one of our service experts guide you in getting a Corona Kavach Health Insurance Plan. Or, you can opt to buy your Corona Kavach Policy Online. Buying your Corona Kavach Policy Online will save you a lot of time and effort. All you have to do is follow these quick and easy steps:
Log on to our website on your laptop or smartphone. Go to ‘Health Insurance’ and click on ‘Corona Kavach Policy.’ You will be asked to provide your name and mobile number.
Next, let us know whether you will be buying an individual Corona Kavach Health Insurance Plan or Corona Kavach Family Health Insurance Plan.
You will then be redirected to a page that will ask you for some details so that we can calculate your premium. Based on these details, you will get your premium quote. Make the modifications you need until you get the plan that suits your needs.
Finally, you simply need to seal the deal by making the payment for your policy on our secure website. You will now receive a copy of your Corona Kavach Health Insurance Policy in your email.
We would be more than happy to help you buy your Corona Kavach Health Insurance Policy at one of our branches. However, we do recommend that you buy an Online Corona Kavach Policy so that you enjoy the following benefits:
24/7 access
If you buy an Online Corona Kavach Policy, you can make the purchase at any time of the day that suits you. Our website is available 24/7.
Adhere to social distancing
By choosing to get your Corona Kavach Policy Online, you keep yourself and your family safe from infection by maintaining social distancing.
Quick and easy processing
Our intuitive website will ensure that you get your coverage taken care of in no time at all. Your Corona Kavach Policy will be emailed to your inbox where it stays safe until you need it.
We understand that buying health insurance is an important decision. It can sometimes even overwhelm you. In order to ensure that you get the right coverage under your Corona Kavach Policy, make sure to keep the following tips in mind.
Make sure that the sum insured will suffice to cover the number of members included in the plan. Keep in mind the higher costs of medical care due to inflation and choose the coverage amount accordingly.
It is important that the final premium calculated is an amount that you are comfortable paying. However, you must also take into account the company’s claim ratio and choose a plan with the most coverage that you can comfortably pay for.
If you are opting in for the family floater plan, make sure that you include as many family members as you can within the purview of the plan’s terms and conditions.
