Corona Kavach Family Health Insurance Plan – Coronavirus Health Insurance | Max Bupa
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MY POLICY GET A QUOTE

No Room Rent Cap

Covered up to single private room

Digital First Policy

You will only receive a digital copy of this policy.

Pre & Post Hospitalisation

We cover expenses 15 days before hospitalisation and 30 days post-discharge

Hospitalization Expenses

Covered up to sum insured expenses for COVID-19 hospitalisation

Alternative Treatment

Treatments under Ayurveda, Unani, Siddha, Yoga and Homeopathy covered

Home Care Treatment Expenses

Treatment at home for Covid-19 covered on positive Covid-19 diagnosis

Find out what’s covered in the Corona Kavach Plan​

Simply search for your queries about Max Bupa’s Corona Kavach Policy or check out all the features listed below​

Hospitalisation
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IN-PATIENT CARE (HOSPITALISATION)

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Get coverage for medical treatment post hospitalisation for all insured members

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy will cover pre and post hospitalization expenses as well. The period of the treatment covered is 15 days before you get admitted to the hospital and 30 days after you get discharged from the hospital. 

HOME CARE TREATMENT

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Home Care Treatment means treatment availed by the Insured Person at home for COVID on a positive diagnosis of COVID in a Government-authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:

1. The Medical practitioner advises the Insured person to undergo treatment at home.

2. There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.

3. Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained. 

FLEXIBLE POLICY PERIOD

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Secure your health as per your needs.  Buy the plan for 3 different coverage periods: 3.5 months, 6.5 months, and 9.5 months.

AYUSH TREATMENT

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Treatments under Ayurveda, Unani, Siddha, Yoga and Homeopathy covered up to sum insured. 

Add-on Features​
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HOSPITAL CASH

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Get 0.5% of sum insured as daily cash per day for maximum 15 days in a policy period    

Exclusions
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PERMANENT

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•Investigation & Evaluation

•Rest Cure, rehabilitation and respite care

•Dietary supplements and substances  that  can  be  purchased  without  prescription,  including  but not limited to  Vitamins,  minerals  and  organic  substances  unless  prescribed  by  a  medical practitioner as part of hospitalization  claim or Home care treatment.

•Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date.

•Day Care Treatment & OPD

•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 under this Policy

•All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restrictions by the Government of India.

(Note: the above is a partial listing of the policy exclusions. Please refer to the policy contract for the full list of exclusions.) 

UNRECOGNIZED PHYSICIAN OR HOSPITAL

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a. Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by the Central council of Homeopathy or by relevant authorities in the area or country where the treatment is taken

b. Treatment or Medical Advice related to one system of medicine provided by a Medical Practitioner of another system of medicine.

c. Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives

d. Treatment provided by the Hospital or health facility that is not recognized by the relevant authorities in India or any other country where treatment takes place.

e. Treatment or services received in health hydros, nature cure clinics or any establishment that is not a recognized Hospital or healthcare facility

Why do you need Corona Kavach, a specific coronavirus insurance plan?
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The coronavirus pandemic has become a bitter reality across the world. We have shut down schools, cinema, workplaces, places of worship; even India’s cricket season stands cancelled till further notice! We have embraced masks, sanitizers and adopted the social distancing norms in our daily lives. But these offer passive resistance against the aggressive viral infection which so far has affected more than 10 lakh people in India. The physical, and mental toll of dealing with Covid-19 is something we can’t do much about, but for offsetting the financial trauma of the long treatment, there is health insurance for coronavirus treatment.

Max Bupa has paid claims worth Rs 7.8 crores* between 1 April and 1 July 2020 to coronavirus patients across India. The highest claim paid was for about Rs 11.2 lakhs. Without comprehensive health insurance coverage, this family was looking at a huge financial burden that would have burnt a big hole in their savings or pushed them in a spiral of debt. A cashless health insurance plan that covers Covid-19 hospitalisation allowed the family to tide over the financial burden of this debilitating disease, and will allow them to recover in the relative comfort of their home. 

*Based on Internal Max Bupa claims data

What makes Max Bupa's Corona Kavach special?
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The number of Covid-19 positive patients is rising in India every day – 34,956 patients new were added to India’s tally on July 17# and the number is only expected to go up. A specific coronavirus health insurance plan like Corona Kavach will not only help you and your family during hospitalisation, but will also offer you features like:

· Hospitalisation Coverage for COVID-19 up to INR 5,00,000 with policy term options to choose from 3.5/6.5/9.5 months.

· Coverage of Pre-existing Diseases: Any co-morbid conditions including pre-existing co-morbid conditions will be covered along with COVID-19 up to Sum Insured.

· Home Care Treatment Expenses – Coverage for availing treatment at home for COVID-19. Pre and Post Hospitalisation expenses covered up to sum insured for 15 & 30 days respectively.

· AYUSH Treatments Coverage for inpatient care treatment for COVID-19 under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

· Hassle-free Claims - 30 minute cashless claims processing and in-house claim settlement

A relatively affordable plan, Max Bupa’s Corona Kavach health insurance policy can be availed by anyone aged 18 Years up to 65 Years, for self or immediate family. The disease is here to stay and we have to gear up to step out, and go on with our lives in a safe yet regular manner. If you have the security of Corona Kavach around you and your family, you will have one less thing to worry about.

# Source: https://indianexpress.com/article/india/coronavirus-india-updates-july-17-maharashtra-delhi-tamil-nadu-telangana-6510355/

Frequently Asked Questions
HOW CAN I BUY CORONA KAVACH HEALTH INSURANCE PLAN TO COVER MY FAMILY AGAINST COVID-19?
WHAT IS THE SUM INSURED AVAILABLE FOR CORONA KAVACH POLICY?
WHAT IS A DIGITAL FIRST POLICY?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?
WHAT ALL WILL BE INCLUDED IN THE HOSPITALISATION COVER FOR CORONA KAVACH PLAN?
WHAT IS HOME CARE TREATMENT IN CORONA KAVACH POLICY?
WHO IS ELIGIBLE TO BUY MAX BUPA'S CORONA KAVACH PLAN?
WHAT IS THE POLICY PERIOD FOR CORONA KAVACH?
DOES CORONA KAVACH POLICY COVER PRE-EXISTING DISEASES?
WHAT WILL ENTAIL PRE-HOSPITALISATION MEDICAL EXPENSE IN CORONA KAVACH PLAN?
WHAT WILL ENTAIL POST-HOSPITALISATION MEDICAL EXPENSE IN CORONA KAVACH PLAN?
WHAT IS ALL COVERED UNDER AYUSH TREATMENTS IN THE CORONA KAVACH PLAN?
WHAT WILL BE CONSIDERED AN AYUSH HOSPITAL IN THE CORONA KAVACH PLAN?
IS CORONA KAVACH PLAN DIFFERENT FROM CORONA RAKSHAK PLAN?
HOW CAN I BUY CORONA KAVACH HEALTH INSURANCE PLAN TO COVER MY FAMILY AGAINST COVID-19? - +

There are various ways in which you can purchase this policy:

Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone: If you wish to know more about Max Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 1000 between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

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