Corona Kavach - Comprehensive Bharti-axa Health Insurance Policy for COVID -19

Bharti AXA Corona Kavach's health insurance review

Eligibility
Benefits
Claims
Exclusions

Eligibility for Bharti AXA Corona Kavach's health insurance

This Policy covers persons in the age group 1 days to 65 years. The maximum entry age is restricted to 65 years.
Dependent Children between the age of 1 day and 25 years can be covered, provided either parent is getting insured under this Policy. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage.

Benefits for Bharti AXA Corona Kavach's health insurance

Name	Corona Kavach Policy, Bharti AXA General Insurance Company Limited
Product Type	Individual/ Floater
Category of Cover	Indemnity/Benefit
Sum insured	Rs 50,000/- (Fifty Thousand) to 5,00,000/- (Five Lakh) (in the multiples of fifty thousand) On Individual basis – SI shall apply to each individual family member On Floater basis – SI shall apply to the entire family
Policy Period	Three and Half Months (3 ½ months), Six and Half Months (6 ½ months),, Nine and Half Months (9 ½ months) including waiting period.
Eligibility	Policy can be availed by persons between the age of 18 years up to 65 years, as Proposer. Proposer with higher age can obtain policy for family, without covering self. Policy can be availed for Self and the following family members legally wedded spouse Parents and Parents-in-law Dependent Children (i.e. natural or legally adopted) between the day 1 of age to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible.
Hospitalization Expenses	Medical Expenses of Hospitalization for Covid for a minimum period of 24 consecutive hours only shall be admissible
Pre Hospitalization	For 15days prior to the date of hospitalization/home care treatment
Post Hospitalization	For 30days from the date of discharge from the hospital/completion of home care treatment
Sub-limits	Hospital Daily Cash: 0.5% of Sum Insured per day subject to maximum of 15 days in a policy period for every insured member.
AYUSH	Medical Expenses incurred for Inpatient Care treatment for Covid under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered upto sum insured during the Policy period as specified in the policy schedule.
Home Care Treatment Expenses	The Company shall indemnify costs of treatment incurred by the Insured person on availing treatment at home for Covid on Positive diagnosis of Covid in a government authorized diagnostic centre maximum up to 14 days per incident , which in the normal course would require care and treatment at a hospital but is actually taken while confined at home subject to policy terms and conditions.

Claims Procedure for Bharti AXA Corona Kavach's health insurance

For reimbursement of claims the insured person may submit the necessary documents to TPA (if applicable)/Company within the prescribed time limit as specified hereunder.

Sl No	Type of Claim	Prescribed Time limit
1.	Reimbursement of hospitalization and pre hospitalization expenses	Within thirty days of date of discharge from hospital.
2.	Reimbursement of post hospitalization expenses	Within fifteen days from completion of post hospitalization treatment.
3.	Reimbursement of Home Care expenses	Within thirty days from completion of home care treatment .

Documents to be submitted for claim:
The claim is to be supported with the following documents and submitted within the prescribed time limit. CovidHospitalization Cover

Duly filled and signed Claim Form
Copy of Insured Person’s passport, if available (All pages)
Photo Identity proof of the patient (if insured person does not owna passport).
Medical practitioner’s prescription advising admission.
Original bills with itemized break-up
Payment receipts
Investigation reports including Insured Person’s test reports fromAuthorized diagnostic centre for COVID.

Exclusions under the Bharti AXA Corona Kavach's health insurance

The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:
Investigation & Evaluation Expenses related to any admission primarily for diagnostics and evaluation purposes. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment

FAQs for Bharti AXA Health Insurance for Covid19

What does this Bharti AXA Health Insurance policy Covers?

The following are the covers and benefits provided under this policy. Note that some expenses are restricted to a maximum limit (For example, Road Ambulance expenses is restricted to a maximum of Rs.2, 000 per hospitalization). 1.Covid Hospitalization Cover
2.Home Care Treatment Expenses
3.AYUSH Treatment
4.Pre Hospitalization
5.Post Hospitalization

Can i cover family members in one Bharti AXA Health Insurance policy?

Yes. You can cover Your family members in one policy. The members of the family who could be covered under the Policy are: a) Proposer b) Proposer’s Spouse c) Proposer’s Children d) Proposer’s Parents e) Proposer’s Parents-In Law

Waiting Period Applicable under this Bharti AXA policy?

The Company shall not be liable to make any payment under the policy till the expiry of waiting period mentioned below:
First Fifteen Days Waiting Period Expenses related to the treatment of Covid within 15 days from the policy commencement date shall be excluded.

What is the entry and exit age under Bharti AXA Health Insurance policy?

This Policy covers persons in the age group 1 days to 65 years. The maximum entry age is restricted to 65 years.

what does Bharti AXA Health Insurance policy Period?

This product will cover the insured for a maximum policy period of 3.5 months, 6.5 months or 9.5 months, as opted by the Insured in the proposal form. .

What does covid hospitalization covers?

This would cover medical expenses incurred for hospitalization of the insured for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre including the expenses incurred on treatment of any comorbidity along with the treatment for Covid up to the Sum Insured specified in the policy schedule, provided the insured have been hospitalized for at least 24 Hours.