New India Health Insurance Corona Kavach's health insurance

New India Corona Kavach's health insurance review

• Eligibility for New India Corona Kavach's health insurance

  • Entry age –18 to 65 years.
  • Policy can be availed by persons between the age of 18 years and 65years, as Proposer. Proposer with higher age can obtain policy for family, without covering self

• Benefits for New India Corona Kavach's health insurance

  Name	CORONA KAVACH POLICY, The New India Assurance Co Ltd
  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 fiftythousand) On Individual basis – SI shall apply to each individual family member On Floater basis – SI shall apply to the entire family
  Policy Period	105 Days, 195 Days and 285 Days including waiting period of 15 days
  Eligibility	Policy can be availed by persons between the age of 18 years and 65years, 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 to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
  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
  Post Hospitalization	For 30days from the date of discharge from the hospital
  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 Home Care Treatment: Maximum up to 14 days per incident.
  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 up to sum insured during each Policy year 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, 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 New India Corona Kavach's health insurance

  Upon the happening of the covered event, which may give rise to a claim under this policy, notice with full particulars shall be sent to the Company within 15 days from the date of occurrence of the event / diagnosis of COVID.

  Procedure:
  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.	COVID Cover	Within thirty days of date of discharge from hospital following positive diagnosis for COVID.

  
  Documents to be submitted for claim:
  The claim is to be supported with the following documents and submitted within the prescribed time limit. Covid-19 Cover
  • Copy of Insured Person's passport, if available (All pages)
  • Photo Identity proof of the patient (if insured person does not own a passport) Medical practitioner's prescription advising admission Medical practitioners prescription advising admission
  • Discharge summary including complete medical history of the patient along with other details.
  • Investigation reports including Insured Person's Test Reports from Authorized diagnostic centre for COVID.
  • NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque
  • KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines Legal heir/succession certificate, wherever applicable
  • Any other relevant document required by Company/TPA for assessment of the claim.

• Exclusions under the New India 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.