ManipalCigna Corona Kavach Health Insurance Policy

ManipalCigna Corona Kavach Health Insurance Policy

Corona Kavach Policy is a standard health policy developed by IRDAI and made available by ManipalCigna Health Insurance Company. ManipalCigna Corona Kavach Plan is an indemnity health insurance cover that compensates the medical expenses incurred on COVID-19 related hospitalization/ home care treatment expenses. In addition, the policy also covers Pre and Post hospitalization, Road ambulance, AYUSH treatment with an option of Hospital daily cash.

The policy can be purchased on an individual as well as family floater basis and offers a varied range of sum insured starting from Rs. 50,000 to Rs. 5 lakhs. It covers different family members, including spouse, dependent children, parents and parents-in-law, and the policyholder.

Eligibility criteria for ManipalCigna Corona Kavach Health Insurance Policy

Key highlights of ManipalCigna Corona Kavach Health Insurance Policy

• ManipalCigna Corona Kavach Health Insurance Policy covers COVID-19 treatment expenses at the hospital as well as at home up to the Sum Insured.
• It offers a 5% discount for health care workers.
• A pre-insurance medical check-up is not required irrespective of the insured’s age and Sum insured.
• The Free-look period is not applicable under this policy.
• Renewal is available, subject to the underwriting policy of the company.
• Potability and migration are not applicable under this policy.
• Tax benefits are applicable under section 80D of the Income Tax Act.
• The insured members can avail of the policy offers after completing the waiting period of 15 days from the policy commencement date.
• The policy gives the option to choose daily hospital cash.

Inclusions in ManipalCigna Corona Kavach Health Insurance Policy

• ManipalCigna Corona Kavach Health Insurance Policy covers COVID-19 hospitalization as well as home care treatment expenses.
• The policy covers 15 days before the date of hospitalization/ home care treatment and 30 days from discharge from the hospital/completion of home care treatment expenses up to the Sum Insured.
• The policy also covers AYUSH treatment care expenses.
• Ambulance charges of Rs 2000 per hospitalization are covered under the policy.

Exclusions in ManipalCigna Corona Kavach Health Insurance Policy

The insurer will not pay any claims arising out of or attributable to any of the following:

• 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-19 where it has been diagnosed prior to policy start date.
• The insurer will not cover the expenses related to the COVID-19 treatment within 15 days from the first policy commencement date.