Standard health insurance plan for Coronavirus disease
Sum Insured : Up To ₹ 5 Lacs
Standard health insurance plan for Coronavirus disease
Best suited for
Individual
Family
Multi Individual
Key Benefits
Affordable all India coverage for Coronavirus
Hospital to Home care treatment up to Sum Insured
Discount for health care workers
Option to choose Hospital daily cash
Launch Date: 10-07-2020
SAFEGUARD AGAINST CORONAVIRUS WITH COVID STANDARD HEALTH POLICY
Coronavirus or Covid-19 has affected millions of people worldwide and India is not an exception. It’s very normal to be worried about yourself and your loved ones in these trying times. In such a situation when there are uncertainties around, having a health insurance is an ideal solution to deal with any medical emergency. Covid Standard health policy provides access to medical care and offers coverage for treatment of corona virus disease.
WHAT IS CORONA KAVACH POLICY?
Corona Kavach Policy, ManipalCigna also known as Covid standard health policy is developed by IRDAI and made available by ManipalCigna Health Insurance Company. It is designed to cover COVID related hospitalization/home care treatment expenses. The policy also provides coverage towards Pre and Post hospitalisation, Road ambulance, AYUSH treatment with an option of Hospital daily cash.
Covid Hospitalisation Cover :
We will cover the hospitalisation expenses of the Insured Person during the Policy period for the treatment of Covid on positive diagnosis of Covid in a government authorized diagnostic centre. Expenses of hospitalisation for a minimum period of 24 consecutive hours only shall be admissible.
Ambulance Charges :
Expenses on Road Ambulance will be covered subject to a maximum of Rs.2000/- per hospitalisation.
Home Care Treatment Expenses :
We will cover cost of treatment incurred by the insured person on availing treatment at home for maximum up to 14 days per incident as per policy terms and conditions.
AYUSH Treatment :
We will cover medical expenses incurred on hospitalisation for Covid under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) Treatment.
Pre-hospitalisation :
We will indemnify the pre-hospitalisation/home care treatment medical expenses incurred, related to an admissible hospitalisation/home care treatment, for a fixed period of 15 days prior to the date of admissible hospitalisation/home care treatment
Post-hospitalisation :
We will indemnify the post hospitalisation/home care treatment medical expenses incurred, related to an admissible hospitalisation/home care treatment, for a fixed period of 30 days from the date of discharge from the hospital.
Discounts :
5% discount in premium shall be provided to health care workers.
First 15 days Waiting Period :
Expenses related to the treatment of Covid within 15 days from the first policy commencement date will not be covered.
Renewal
Renewal available, subject to the underwriting policy of the Company.
What’s covered
- Covid Hospitalisation Cover
- Ambulance Charges
- Home Care Treatment Expenses
- AYUSH Treatment
- Pre-hospitalization
- Post-hospitalization
- Optional Cover : Hospital Daily Cash
What’s not covered
- All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India.
- Any expenses incurred on Day Care treatment and OPD treatment.
- Diagnosis /Treatment outside the geographical limits of India.
- Any claim in relation to Covid where it has been diagnosed prior to policy start date.
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Optional Cover
Hospital Daily Cash:
We will pay 0.5% of sum insured per day for each 24 hours of continuous hospitalisation for treatment of Covid following an admissible hospitalisation claim under this policy, maximum up to 15 days during a policy period in respect of every insured person
Minimum Entry Age
18 Years (for Adults) , 1 day (for Children)
Maximum Entry Age
65 Years (for Adults) , 25 Years (for Dependent Children)
Policy Term
3 ½ months (105 days), 6 ½ months (195 days), 9 ½ months (285 days)
Cover Type
Individual and Family Floater
Relationships Covered
Individual Policy: self, spouse, son, daughter, parents & parents in law.
Family Floater : self, spouse, children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered under a single policy)
Premium
Single payment
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
SAFEGUARD AGAINST CORONAVIRUS WITH COVID STANDARD HEALTH POLICY
WHY YOU NEED COVID INSURANCE?
Life is uncertain and unpredictable - the COVID-19 pandemic has taught us this. Our plans, goals and dreams - big or small - all were tossed aside with the sudden rise of the coronavirus. Almost every country in the world has been affected by the coronavirus and even after months of its onset, we are still dealing with the effects of a virus that shows flu-like symptoms but affects our immune system. Keeping in mind the increase in health concerns, insurance companies are introducing something known as a ‘Corona Kavach Policy’, a COVID insurance that protects you and your family in case someone gets tests positive.
Winter is around the corner and there is a certain amount of apprehension regarding a spike in the coronavirus cases. While we are currently seeing a reduction in the number of positive COVID-19 daily cases in India, there is a possibility that it can increase again during the winter months. In such a situation where a pandemic is looming over our heads, having a health insurance policy to fall back on is a sensible decision.
We have introduced the Corona Kavach Policy, ManipalCigna - a special health insurance policy to help you deal with the medical expenses incurred for the treatment of COVID-19.
What should you know about Corona Kavach Policy from ManipalCigna?
An important thing the COVID-19 pandemic has taught us is that taking good care of your health is vital and you never know when a health insurance can come in use. The Corona Kavach Policy, ManipalCigna also known as COVID-19 Standard Health Policy is developed by IRDAI and made available by ManipalCigna Health Insurance Company. It is designed specifically to cover all COVID-related hospitalization/home care treatments and expenses. The policy also provides coverage towards pre- and post-hospitalisation, road ambulance, AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) treatments with an option of hospital daily cash.
Why do you require Corona Kavach Policy from ManipalCigna?
Coronavirus or COVID-19 has affected millions of people worldwide. India too, has greatly been impacted by the coronavirus. It’s very normal to be worried about yourself and your loved ones in these trying times, especially while dealing with a virus which you cannot see or smell. In such a situation when there are uncertainties around, having health insurance is an ideal solution to deal with any medical emergency. The Corona Kavach Policy, from ManipalCigna provides access to medical care and offers coverage for treatment of coronavirus disease.
What is Corona Kavach Policy ManipalCigna?
Corona Kavach Policy, ManipalCigna also known as Covid standard health insurance policy is developed by IRDAI and made available by ManipalCigna Health Insurance Company. It is designed to cover COVID related hospitalization/home care treatment expenses. The policy also provides coverage towards Pre and Post hospitalization, Road ambulance, AYUSH treatment with an option of Hospital daily cash.
How can I buy Corona Kavach policy?
You can contact our sales advisor at any of our branches (list available on website www.manipalcigna.com) or can call our Toll free customer care number 1800-102-4462 for details.
Is there any age limit to buy Corona Kavach Policy ManipalCigna?
The minimum entry age is 1 day for children and 18 years for adults. Maximum entry age limit for adults is 65 years. Dependent Children will be covered up to 25 years in a floater policy.
Who can be covered in Corona Kavach policy?
Individual plan can be bought for self, lawfully wedded spouse, dependent children, parents, parents in-law.
A family floater plan can cover self, lawfully wedded spouse, dependent children up to the age of 25 years, parents, parents in-law. A floater cover can cover a maximum of 2 adults and 3 dependent children under a single policy.
Is there any pre policy medical check required for buying Corona Kavach policy?
No PPMC will be required for this policy.
What are the policy term options available under Corona Kavach policy?
This policy is available for 3 ½ months (105 days), 6 ½ months (195 days) and 9 ½ months (285 days).
What are the coverages available under Corona Kavach policy?
Following are the coverages available under the policy
- Covid Hospitalization Cover
- Home Care Treatment Expenses
- Ambulance Cover
- AYUSH Treatment
- Pre Hospitalization
- Post Hospitalization
- Hospital Daily Cash (optional)
Does Corona Kavach policy offer worldwide coverage?
All medical treatment for the purpose of this insurance will have to be taken in India only.
What all documents do I need to furnish to get Corona Kavach policy?
In general, one has to submit a filled and signed proposal form along with a payment instrument to apply for health cover under this policy.
In case any additional documents are required, we will contact you.
FAQs about Corona Kavach Policy
Q.1) What is the type of payout under this policy?
Base cover under Corona Kavach Policy is offered on indemnity basis while optional cover of Hospital daily cash is available on benefit basis.
Q.2) Is the Quarantine Period Covered?
Only home care treatments on the advice of a registered medical practitioner and at a facility designated by the Government as hospital for the treatment of Covid positive insured person is covered under the policy.