Inclusions and Exclusions of the Corona Kavach Plan

Corona Kavach is a policy that addresses your basic health insurance needs arisen on account of the global pandemic. If you're concerned about Covid-19's medical expenses, this policy is a good option. It pays for your hospitalisation expenses for Covid-19 treatment, such as hospital room rent, nursing costs, surgery costs, specialist fees, and other expenses.

The sum insured for the Corona Kavach policy ranges from ₹50,000 to ₹5,000,000, so you can select the appropriate amount based on your individual or family needs. This blog will discuss the benefits which are covered under this policy and other factors which are excluded from it.

Inclusions

This policy is a comprehensive health insurance plan designed to provide comprehensive coverage to individuals and families against the financial burden of medical costs associated with the COVID-19 pandemic. The policy provides coverage for hospitalisation and home care treatment, including inpatient hospitalisation, day-care treatments, home-care treatment, and domiciliary hospitalisation. Here’s a list of inclusions under the Corona Kavach plan:

Inpatient hospitalisation

This policy is designed to provide financial assistance to individuals who have been diagnosed with COVID-19 and need to be hospitalised. The policy provides coverage for medical expenses incurred during the hospital stay, including doctor’s fees, laboratory tests, and medications. 

It also offers protection from financial losses due to the treatment of COVID-19. This includes coverage for medical expenses incurred during the hospital stay, as well as any additional expenses incurred due to complications. The policy also covers any income lost due to the inability to work due to the illness.

Homecare treatment

It includes services such as nursing care, physiotherapy, and occupational therapy. Home care is often recommended for individuals who are unable to travel to a hospital or health care facility. It provides a safe and comfortable environment for healing and recovery at home. Home care services provided under the Corona Kavach plan are covered up to a fixed sum insured amount. 

Inpatient AYUSH treatment

Under the this policy, the Government of India provides financial assistance to those requiring inpatient AYUSH treatment. This assistance covers the cost of hospitalisation, medicines, and other necessary medical expenses related to the treatment. The policy also covers the cost of any additional care that may be required, such as homoeopathy, Ayurveda, yoga, and other traditional forms of treatment.

Pre-and Post-hospitalisation

Under the policy, pre-hospitalisation expenses are covered for up to 30 days from the date of hospitalisation. These pre-hospitalisation expenses include diagnostic tests such as X-rays, blood tests, etc., doctor's consultation fees, drugs, etc.

Post-hospitalisation is the period after hospitalisation, which includes the medical expenses incurred during the recovery period. Under the policy, post-hospitalisation expenses are covered for up to 60 days after the date of discharge from the hospital. These post-hospitalisation expenses include follow-up consultation fees, drugs, physiotherapy, etc.

Hospital daily cash cover

The Corona Kavach policy provides daily cash cover of up to ₹1,000 per day, for a maximum of 15 days. This amount is paid to the insured person on a daily basis, during the hospitalisation period, for expenses such as food, transportation, personal hygiene and other miscellaneous expenses.

Exclusions

All health insurance policies have exclusions. Certain exclusions apply to this insurance policy. These include, but are not limited to:

• Claims for a diagnosis made prior to the policy's start date.
• OPD claims.
• COVID-19 tests performed privately rather than at a government-approved facility.
• Coverage terminates if a person travels to a restricted country designated by the Indian government.

Parting Words

The Corona policy is a great option for individuals seeking financial protection against hospitalisation costs due to Covid-19. The policy provides comprehensive coverage against hospitalisation expenses and other miscellaneous expenses, and is a great way to safeguard oneself and one’s family against the financial burden of Covid-19.

FAQs

1. What is the Corona Kavach Plan?

   The Corona Kavach Plan is a COVID-19-specific health insurance scheme introduced by the Government of India. It provides coverage for hospitalisation expenses related to COVID-19 treatment, helping individuals manage the financial burden of the pandemic.

2. What does the Corona Kavach Plan cover?

   The plan covers hospitalisation costs such as room charges, ICU, medicines, doctor's fees, diagnostic tests, and ambulance charges specifically for COVID-19 treatment. It also includes pre- and post-hospitalisation expenses as per policy terms.

3.  Are home quarantine or outpatient treatments covered under this plan?

   No, the Corona Kavach Plan covers only hospitalisation expenses. Treatments done at home or outpatient consultations related to COVID-19 are excluded from coverage.

4. What are the exclusions under the Corona Kavach Plan?

   Exclusions include hospitalisation for non-COVID-19 diseases, home care or quarantine expenses, intentional self-injury, and treatment arising from alcohol or drug abuse. Also excluded are costs related to cosmetic treatments and experimental therapies.

5. Which disease is not covered in health insurance?

   Diseases caused by self-inflicted injuries, alcohol or drug abuse, and sexually transmitted infections are commonly excluded.