Universal Sompo Corona Kavach insurance

An Individual can avail this policy to take care of their treatment expenses arising out of Covid-19 and avoids out of pocket expenses. In the case of existing health insurance policyholders, holding an additional Covid-specific policy would make the coverage more comprehensive. Unlike a basic health insurance policy, a Covid specific policy covers medical treatment incurred during home quarantine and at Covid care centres, even if it does not ultimately lead to hospitalisation. Additionally, the policy covers expenses towards PPE's, masks, gloves, oximeters, oxygen cylinders, nebulisers, AYUSH treatment etc.

This plan will cover the medical expenses incurred for hospitalisation of the insured person during the Policy period for the treatment of Covid-19 on positive diagnosis of the condition in a government authorized diagnostic centre including the expenses incurred on treatment of any co-morbidity along with the treatment for Covid-19 up to the Sum Insured specified in the policy schedule, for

• Room Rent, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home.
• Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
• Surgeon, Anaesthetist , Medical Practitioner , Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
• Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.

This policy can be availed by persons between the age of 18 Years and 65 Years, as Proposer.

Three and half months (3½ months), Six and half months (6½ months), Nine and half months (9½ months) including waiting periods are the tenure options.

You can proceed with the claim if you test positive with COVID-19 at any of the government authorized diagnostic Centre. Once you receive the report you can inform the insurer and can proceed with the claim.

Yes, you can buy Corona Kavach health insurance policy online fromeindiainsurance.You can select the policy from any of the insurance providers as per your preference, make the payment and receive the policy over e-mail.

Yes, this policy comes with a waiting period of 15 days and you can only file a claim after completion of 15 days.

Yes, Corona Kavach health insurance policy covers comorbidities and pre-existing comorbidities. This is however subjective to each insurance company, so check the policy wordings before making a decision.

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for premium for self, spouse and dependent children. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is in addition to the exemption of Rs 1,50,000 under Section 80 C). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.