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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

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UIN: MCIHLIP21070V012021
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.

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.
  • Free-look period is not applicable
  • Grace period is not applicable
  • Renewal terms are not applicable
  • Portability clause is not applicable
  • Migration clause is not applicable



    Above List is only indicative and not exhaustive.
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

Renewal

No renewals available in the policy

Corona Kavach Policy

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.

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.
  • Free-look period is not applicable
  • Grace period is not applicable
  • Renewal terms are not applicable
  • Portability clause is not applicable
  • Migration clause is not applicable



    Above List is only indicative and not exhaustive.
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

Renewal

No renewals available in the policy

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.