HDFC ERGO Health Insurance Corona Kavach health insurance

Documents needed for processing a claim

For Hospitalization claims (Cashless & Reimbursement):

• Duly filled and signed Claim Form
• Copy of photo Identity proof
• Medical practitioner's prescription advising admission
• Original bills with itemized break-up
• Payment receipts
• Discharge summary including complete medical history of the patient along with other details
• Investigation reports including your test reports from Authorized diagnostic centre for COVID
• OT notes or Surgeon's certificate giving details of the operation performed, wherever applicable
• Sticker/Invoice of the Implants, wherever applicable
• NEFT Details (to enable direct credit of claim amount into bank account) and cancelled cheque.

For Home Treatment claims:

• Duly filled and signed Claim Form
• Copy of photo Identity proof
• Medical practitioner's prescription advising admission + a certificate from medical practitioner advising treatment at home or your consent on availing home care benefit
• Discharge Certificate from the medical practitioner specifying date of start and completion of home care treatment
• Daily monitoring chart (including records of treatment administered duly signed by the treating doctor)

Exclusions under the HDFC ERGO Corona Kavach health insurance

The insurance company shall not be liable to make any payment under the policy, in respect of any expenses incurred inrespect of:

• Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date.
• Any expenses incurred on Day Care treatment and OPD treatment
• Investigation & Evaluation - Expenses related to any admission primarily for diagnostics and evaluation purposes. Any diagnostic expenseswhich are not related or not incidental to the current diagnosis and treatment
• Rest Cure, rehabilitation and respite care - Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This alsoincludes:
  • Custodial care either at home or in a nursing facility for personal care such as help with activities of daily livingsuch as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons
  • Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
• Dietary supplements and substances that can be purchased without prescription, including but not limited toVitamins, minerals and organic substances u n less prescribed by a medical practitioner as part of hospitalizationclaim or Home care treatment.
• Unproven Treatments - Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.Unproven treatments are treatments, procedures or supplies that lack significant medical documentation tosupport their effectiveness. However, treatment authorized by the government for the treatment of COVID shallbe covered.
• Diagnosis /Treatment outside the geographical limits of India
• Testing done at a Diagnostic centre which is not authorized by the Government shall not be recognized underthis Policy
• All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restrictionby the Government of India

HDFC ERGO Corona Kavach health - highlights

• Person age between 18 yrs to 65 years