Covid Insurance

Health insurance is a cover that protects you from the medical expenses caused by illness, accidents or injuries. It is a type of indemnity bond in which the insurer commits to bear all costs incurred due to hospitalization, OPD charges, medical examination, doctor’s fees, medicines and any other bills concerning the insured. A growing number of people are considering health insurance. According to the National Family Health Survey conducted for the fiscal year 2021, around 41 per cent of people are covered under health insurance or at least one person from each family has bought a health plan.

  • mediacl-icon   No Medical Checkup Required
  • discount-icon Save more upto 5% discount  
  • covid-icon Covers COVID-19
Tax Benefit
Upto Rs. 46800
Life cover Till Age
99 Years
8 Lakh+
Happy Customers

The minimum insured amount permissible under the policy is Rs.50,000, while the maximum is Rs.5 lakhs.

Covid Care Plans Online



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Types of Coronavirus Health Insurance

Corona Kavach Policy : COVID-19 Insurance Policy

Corona Kavach Policy is a basic coronavirus health insurance policy that covers hospitalisation bills, home care treatment costs, ambulance charges, the cost of personal protective equipment (PPE), medicines, gloves, masks, doctor fees, and ICU charges incurred during the COVID-19 pandemic. The amount of the sum insured ranges from Rs 50,000 to Rs 5 lakh.

Corona Rakshak Policy: COVID-19 Insurance Plan

Corona Rakshak Policy is also a COVID-19-specific health insurance policy that covers COVID-19 therapy in India for a minimum of 72 hours and up to a year. PPE, nebulizers, masks, oxygen cylinders, gloves, oximeters, AYUSH treatment, and other expenses not covered by a standard medical insurance coverage are covered by this policy. Individuals between the ages of 18 and 65 can purchase this COVID-19 insurance policy for an individual sum covered ranging from Rs 2.5 lakh to Rs 5 lakh.

Coronavirus Group Health Insurance

If you are covered by a group health insurance coverage, check with your insurer to see if coronavirus treatment costs are reimbursed. However, if you have a Corona Rakshak or Corona Kavach group health insurance policy, you will be covered for COVID-19 hospitalisation in India.

How to claim?

Cashless Claims

Most health insurance companies now provide cashless treatment options. The insured is not obligated to pay anything for treatment received at one of the insurer's network hospitals as part of this benefit. Instead, the insurance company pays the hospital directly for the care.

Reimbursement Claims

Policyholders who are hospitalised and receive treatment at a non-network hospital of their insurance provider are eligible for reimbursement claims. If you receive COVID-19 therapy in a hospital that is not in your insurer's network, you will be obliged to pay all hospital expenses in full at the time of release.


Important facts of covid insurance cover

Sum Insured Coronavirus has claimed the lives of numerous people around the world, and hundreds more have become seriously ill as a result of getting the disease. COVID-19 treatment can be costly, especially for persons with underlying conditions, because it can cause severe respiratory sickness and have an influence on entire body functioning.

Coverage Before you choose a COVID-19 health insurance plan, you should carefully review the coverage it offers. Most policies cover in-hospital bills, post-hospitalization treatment, ICU, OPD, and ambulance fees, among other things.

Waiting Period It is critical to evaluate the policy's in-built waiting periods before purchasing coronavirus health insurance. A 30-day waiting period is included in almost all health insurance plans. Some insurance companies, such as Star Health & Allied Insurance, offer a 16-day waiting period as part of their Star novel coronavirus health insurance coverage. Corona Kavach and Corona Rakshak policies have a 15-day waiting period.


How do I purchase online Coronavirus Health Insurance Plans?

A coronavirus health insurance policy can be purchased quickly and easily online. Simply select the Coronavirus health plan that you want to purchase. Fill out the essential information and pay your insurance premiums online.

Is the new Omicron Variant covered by your health insurance policy?

Yes, the new omicron type of coronavirus will be covered under your existing coronavirus health insurance policy.

Is Coronavirus Insurance applicable to home care?

Most Coronavirus health insurance policies cover home care costs if the doctor recommends it. Most insurance companies, however, do not pay expenses associated to home quarantine.