CORONA KAVACH POLICY NATIONAL INSURANCE
Standard Mediclaim Policy has many exclusion that is permanent Nature and there are various deductibles, non payable items like PPE Kit, Consumable Items, Mask Sanitizer etc.
Some Standard Mediclaim Policy has Capping of Room rent, Doctor consultations fee, Medicine and medical equipment etc. that reduce final payment amount payable to the Insured.
Home Care/ Domiciliary treatment is usually not covered or has restricted coverage in normal Health Insurance Policy.
Mid term Sum Insured Enhance is not possible in Mediclaim Policy Immediate enhancement of Sum Insured of existing Mediclaim Policy may incur higher premiums or pre. policy health checkup.
That’s a need for Separate Umbrella Policy to Protect Covid -19.
Eligibility
Self and Spouse ( Less than 65 years)
Parents and parent In- law ( Less than 65 years)
Dependent Children ( Less than 25 years, and 18 years if Independent can covered with Parent.
Policy Coverage duration are as follows-
- 3 and Half Month ( 105 days)
- 6 and half Months (195 days)
- 9 and half Months (285 days)
Policy Coverage Sum Insured
Sum Insured are available Rs 50,000/ to Rs 5,00,000/ in multiple of 50,000 as per person need and convenience.
For individual basis different sum Insured can be choose for Different Insured Person but proposer sum Insured should be Higher.
If taken Floater policy then single sum Insured apply cumulative to all Insured Persons.
What covered in Corona Kavach Policy
http://www.shiprafinance.com Treatment of COVID -19 positive Patient in a Hospital or Nursing Home is covered on a positive report of a Government authorized Lab.
Room Rent including ICU and Nursing Expenses.
Doctors Consultation Fee.
Operation Theater, Anesthesia, Blood, Oxygen, Surgical Appliances, Ventilator Charges, Medicine and Drugs, Cost to wards diagnosis, PPE Kit, Gloves, Mask Etc.
Road Ambulance maximum Rs 2000/ per Hospitalization
Additional Benefits
- Covid Home care
- Covid + Co-morbidity
- Zero deductible Policy- PPE Kits, Consumables items and other non admissible Items.
- Ayush Treatment in designated hospitals
- Hospital Cash Benefit if opted
- Telemedicine/ E- Consultations
- Pre and Post Hospitalization coverage 15 and 30 days
- Tax Rebate u/s 80 D
- 5% Discount for Health Worker.
Hospital Daily cash Benefits optional Cover
daily Cash Benefit can opt on the payment of the additional Premium. Insurance Company shall pay the Insured Person .5% of Sum Insured per day for each 24 hours continuous hospitalization for which the company accepted a claim under Hospitalization cover.
Benefit payable maximum up to 15 days and should not exceed 100% of the Sum Insured.
If Doctor advise for undergo Home Treatment and there are continuous active line of treatment with monitoring of the Health Status by a qualified Doctor everyday.
Daily Monitoring chart including records of treatment administered duly signed by the treating doctor is maintained. Cashless facility can be availed if treatment administered by impaneled Hospital of the TPA.
