What is
Corona Kavach?

The COVID19 pandemic has spread all across the globe. Lakhs of Indians have also been affected and this virus continues to infect more and more Indians as each day passes. Unfortunately, since a vaccine or cure isn’t available, one can only take stringent precautionary measures to avoid contracting the virus. Wearing a mask, maintaining personal hygiene and observing social distancing are critical to prevent getting infected.

What is Corona Kavach Policy, Bharti AXA GIC Limited?

Although 90% of COVID19 patients exhibit mild symptoms and the recovery rate has been encouraging, one cannot underestimate the financial losses which can be caused due to hospitalisation. It is likely that some members in a family might be asymptomatic whereas others could may require substantial medical assistance. Treatment offered by hospitals for COVID19 patients could be an expensive affair.

Hence, apart from improving one’s immunity and taking precautionary health related measures, one also needs to invest in a health insurance plan which will offer protection to one’s family and oneself against hospitalisation expenses due to COVID19.

This cover enables one to claim expenses incurred due to hospitalisation, pre-hospitalisation, post hospitalisation, home care treatment, AYUSH treatment as well as usage of road ambulance- which may be necessary on positive diagnosis of Covid in a Government authorized diagnostic center. One can even opt for daily cash while being hospitalised.

What is covered in Corona Kavach Policy, Bharti AXA GIC Limited?**

Covid Hospitalization Cover
Hospitalisation expenses incurred for treatment of COVID when hospitalization is for a minimum period of 24 consecutive hours. This would also cover on-road ambulance expenses up to a maximum of Rs 2000/- per hospitalization.

Pre Hospitalization
Cover for any pre-hospitalisation/home care treatment medical expenses incurred for 15 days prior to the hospitalization.

Post Hospitalization
Cover for any post hospitalisation/ home care treatment medical expenses incurred for 30 days from the date of discharge.

Home care treatment expenses
The cost of availing treatment for Covid at home for up to 14 days per admission as per policy terms and conditions would be covered.

AYUSH Coverage
Medical expenses incurred due to hospitalization for COVID under AYUSH Treatment would be covered

What is not covered in Corona Kavach Policy, Bhati AXA GIC Limited?**

Investigation and Evaluation
Admission expenses for diagnostic and evaluation purposes aren’t covered. Also, diagnostic expenses which are unrelated to current treatment aren’t covered.

Rest Cure, Rehabilitation and Respite Care
Admission expenses primarily related to enforced bed rest and not related to treatment aren’t covered.

Dietary supplements
Those dietary supplements and substances which can be purchased without a prescription including but not limited to vitamins, minerals and other organic substances .

Unproven treatments
Unproven treatments include treatments, procedures or supplies that haven’t been proved effective by significant medical documentation. Such unproven treatments aren’t covered. However, any treatment authorized by the government for treating COVID would be covered.

**Please see the policy wording for complete list of Policy Exclusions and other policy terms and conditions.

Benefits of Corona Kavach Policy, Bharti AXA GIC Limited

Coverage of various treatment expenses

Treatment expenses incurred during pre-hospitalisation, hospitalisation and post hospitalisation are covered. Home care treatment expenses are also covered.
Network
hospitals

Get cash-free admission in more than 4500+ network hospitals across the nation.
Quick
reimbursement

Reimbursement of hospitalisation and non-hospitalisation expenses can occur within 30 days of date of discharge from hospital.

Eligibility Criteria

This Policy covers persons in the age group of 1 day 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.
Age considered is the completed number of years as on last birthday.

This Policy can be issued to an individual and/or family.
Family would include the proposer and one or more of the following members:
1. Legally wedded spouse
2. Parents & Parents in Law
3. Dependent children (i.e. natural or legally adopted) between the age of 1 day to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage.

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.

Please note that you may be asked for completing a pre policy health check-up basis declarations made by you on the Proposal Form.

Policy Name
Corona Kavach Policy, Bharti AXA GIC Limited

UIN
BHAHLIP21101V012021

IRDAI Registration N0.139 | CIN-U66030MH2007PLC351131

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*Please read the policy wordings carefully before concluding a sale
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Bharti AXA General Insurance Company Limited. Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai -400051
Email : customer.service@bhartiaxa.com Toll Free Number: 1800-103-2292

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