Corona Kavach Policy FAQs

What is waiting period?

Waiting period refers to the number of days for which a health insurance plan does not provide any coverage to the insured, other than for emergency cases like accident.

Does this health insurance plan cover maternity expenses?

No. Expenses related to or arising out of pregnancy, (except ectopic pregnancy) are not covered under this plan.

How many family members does this plan cover?

The Swasthya Kavach Policy covers the proposer, spouse and 3 dependents. (children, sibling, nephew and niece in the age group of 3 months-23 years)

What do you mean by sub-limit?

Sub-limit is an additional limit that is applied on various aspects of a health insurance claim.

Can this insurance policy be cancelled by IFFCO Tokio?

IFFCO Tokio will not cancel your insurance policy, unless it is a case of misrepresentation, concealment of material fact or fraudulent act of insured.

What are add-on covers?

Add-on covers are additional covers that come alongside a standard health insurance policy and can be purchased by the buyer on payment of extra premium.

What is domiciliary hospitalization?

Domiciliary hospitalization refers to the medical treatment that an individual receives at home, which should have otherwise been treated in a hospital but was not due to specific reasons.

What is the eligibility criterion for buying Corona Kavach policy?

 You can buy the Corona Kavach policy as an individual insurance plan or even as a family floater plan. Anyone whose age lies between 18 years to 65 years is eligible to take this policy. Please note that this policy would not cover any other treatment that is not related to the current pandemic. You can choose to get insured against other common as well as critical ailments by buying a comprehensive health insurance plan.

Will this policy cover home quarantine expenses or hospital quarantine expenses?

Yes, your Corona Kavach policy will cover hospitalization, pre- and post-hospitalization, home care treatment expenses, as well as AYUSH treatment for any policyholder who has tested positive for COVID-19. This policy is designed to provide coverage for healthcare expenses due to the ongoing pandemic. With the rising COVID-19 cases, this insurance policy is an essential product to get coverage for the medical bills due to coronavirus.

What is the process to raise a claim for Corona Kavach policy?

Usually, one can visit any of the selected hospitals under this policy and get cashless treatment.

Here’s how the cashless treatment process goes:

  • Contact our TPA (Third-party administrator) 3 days before admission and quote your health card membership number.

  • Complete the cashless request form which you can find at the Hospital Insurance Help Desk and get it certified by the doctor.

  • Fax the cashless request form along with all the supporting medical records to the TPA.

  • Once the cashless claim is approved by the TPA, the hospital bills will be settled directly with the insurance company. 

Does Corona Kavach policy also cover medical check-up expenses?

Yes, Corona Kavach policy covers medical check-up and expenses for COVID-19, but only for positive cases. The hospitalization expenses for ventilators, oxygen, PPE kits, and consultation fees will be covered under this policy too. You can also choose the sum insured from a range between Rs.50,000 to Rs.5,00,000 as per your coverage requirements.

What is the policy tenure for Corona Kavach policy?

You are given the alternative of choosing your ideal Corona Kavach health insurance plan from the available short-term tenure options. These include:

  • 3 & ½ months

  • 6 & ½ months

  • 9 & ½ months

Also, please note that you need to be between the ages of 18 to 65 years in order to buy the Corona Kavach health insurance policy.

What is the maximum entry age to buy this product?

The maximum age for an individual to purchase the Corona Kavach health insurance policy is 65 years. This policy also has a minimum entry age, which is set at 18 years. This policy is very important, especially since we are in the midst of a global pandemic. This policy will cover hospitalization expenses due to the novel coronavirus. Various costs incurred by the policyholder regarding the PPE kits, telemedicine consultation charges, AYUSH treatment, etc. are covered as well. 

What is Not covered under Corona Kavach policy?

Any health insurance policy will have certain kind of exclusions. Here are the exclusions of the Corona Kavach health insurance policy:

  • Claims made for a diagnosis before the start date of the policy.

  • Claims made for OPD

  • COVID-19 tests that are done privately and not at a Government-authorized centre.

  • Coverage stops if a person travels to a restricted country by India Government.

Is there any medical test required to buy this policy?

No, you do not need to undergo any medical test unless you are above the age of 45 years.

It is advisable to go for such a policy since it would provide you with essential medical coverage during the coronavirus pandemic. This insurance policy would secure your savings, protect your entire family, and most of all, keep you stress-free knowing that you are financially protected.

Can I also cover my family members under this policy?

Yes, of course! You can cover your whole family under your Corona Kavach insurance policy. These are the following benefits they would receive through this policy:

  • Coverage for telemedicine expenses

  • Coverage for pre- and post-hospitalization charges

  • Coverage for AYUSH treatment expenses

  • Coverage for COVID-19 hospitalization