Oriental Health Insurance Corona Kavach health insurance

Oriental Corona Kavach's health insurance review

• Eligibility for Oriental Corona Kavach health insurance

  • The Policy covers Hospitalisation Expenses for In-Patient Care or Home Care Treatment incurred for treatment of Covid-19 during the Policy Period
  • Maximum Entry age for any member is 65 years, without any medical examination

• Benefits for Oriental Corona Kavach's health insurance

  Name	Corona Kavach Policy-Oriental Insurance
  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 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 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 Oriental Corona Kavach 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
  • Discharge summary including complete medical history of the patient along with other details.
  • Investigation reports including Insured Person’s test reports fromAuthorized diagnostic centre for COVID.

• Exclusions under the Oriental 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