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Corona Kavach Policy : Buy Corona Kavach Health Insurance Online

The country is reeling under the devastating effects of Coronavirus. One thing that this virus has brought to the forefront is- the importance of health and health insurance in these times. With less than ever financial and health security available, it has become all the more important to own a health policy in the case of a financial meltdown. Unfortunately, if any of the family members get infected and need medical assistance the treatment costs can be sky-high.

We have realised that medical insurance will prove to be our best friend if we want to protect our finances from melting away. Along with the numerous efforts taken up by the government of India, the Insurance Regulatory and Development Authority of India (IRDA) has also come up with corona related medical insurance plans. 

What is the Corona Kavach Policy?

Corona Kavach Policy, a standard and basic health insurance plan, is affordable and is specifically related to Covid-19 and the complexities that may arise due to it. This plan takes care of the medical expenses incurred during the treatment of Covid-19 or any comorbid medical conditions arising during the hospitalization period because of Covid-19. This is the most pocket-friendly insurance plan that can keep you and your loved ones protected from any financial woes, in case of Covid infection. 

Covid Kavach Policy at a glance:

TypeIndemnity based, family floater plan
Sum Assured INR 50,000 to INR 5 lakhs
Tenure of Policy3.5, 6.5 and 9.5 months
Age Minimum: 18 years
Maximum: 65 years
Waiting period15 days from the date that the policy comes into effect
Mode of PremiumSingle
Compensation Based on hospitalisation

Corona Kavach Health Insurance Policy Benefits in details

This plan comes with its long list of benefits which are mentioned below:

  1. Short Initial Waiting Period
    Corona Kavach Plan comes with a short waiting period of 15 days only. The policyholder can avail of benefits 15 days from the date the policy comes into effect. A regular indemnity health insurance plan has an initial waiting period of 30 days other than accidental claims.

  2. Affordable Premium
    The Insurance Regulatory and Development Authority of India (IRDA) has launched Corona Kavach Policy to soften the financial pressure during this pandemic. Hence this plan comes at a very affordable health insurance premium which does not burn a hole in your pocket in anyways.

  3. One-Shot Payment
    The Corona Kavach Policy Holder has to pay the premium only once at a single shot while buying the policy. This eases off the financial burden.

  4. PPE Kits covered
    The consumables, especially PPE kits are usually not covered by most indemnity health insurance plans, which is covered by Corona Kavach Plan.

  5. All Expenses Covered
    Hospitalisation expenses like room charges, cost of nursing, ICU charges, doctors’ fees are covered. Both Pre and Post hospitalization expenses are also covered in the Corona Kavach Plan. There is no upper limit on the room rent.

List of expenses covered are:

The regular expenses towards Surgeon, Doctor, Medical Practitioner, Nurses, Anesthetist, Consultants, Specialists, etc. would be paid, whether paid directly to the treating doctor / surgeon or to the hospital.

All additional expenses would also be covered such as Oxygen, anesthesia, OT Charges, blood, all types of surgical appliances as well as ventilator expenses along with associated drugs, implants and medicines, all expenses for diagnosis, imaging, gloves, masks, PPE Kits and other associated expenses. 

  1. AYUSH Treatment
    AYUSH treatment expenses are covered including Unani, Siddha, Ayurveda and Homeopathy.
  1. Emergency Ambulance
    The expense of an emergency ambulance is covered up to a certain limit of usually INR 2000 each way.
  1. Short Tenure
    Corona Kavach Plan is a short term insurance plan of 105, 195 or 285 days only.
  1. Tax Benefits
    The policyholder can enjoy tax benefits if the premium is paid in any mode other than cash. This policy comes under Section 80D of the Income Tax Act, 1961 and a deduction upto INR 25,000 can be availed for premium paid for self, spouse and dependent children.

However, you must keep in mind that Corona Kavach Insurance Plan caters to the expenses incurred only for the treatment of Covid-19 and the Co-morbidities arising due to it, no other illnesses or injuries are covered in this policy.

What is Covered Under Corona Kavach Cover? <Inclusions>

  1. Pre and Post Hospitalization Expenses
    15 to 30 days pre and post hospitalisation expenditures subjected to the treatment of the policyholder infected with the coronavirus.

  2. Intensive Care Unit Expenses
    In the unfortunate case of a patient needing ICU care, the policy will cover the expense up to the insured sum.

  3. Road Ambulance Charges
    Up to a sum of INR 2,000 can be claimed if the need for an ambulance arises whilst the patient is to be transported to the hospital. 

  4. AYUSH Treatment
    Expenditure incurred for the care of any Coronavirus infected patient in any government authorized AYUSH hospital is covered under the Corona Kavach Policy cover.

  5. Homecare Treatment
    In case the healthcare provider advises homecare treatment, the policy will cover the expenses incurred due to the same. Expenses like- consultation charges, medicines, oxygen cylinder, pulse oximeter and nurse are also taken care of.

  6. Hospital Daily Cash (Available as an add-on only)Hospital Daily Cash is an optional cover that can be purchased as per the requirement, by paying an extra premium. Under this, the policyholder can avail benefits of 0.5% of the sum assured which can be used as per the needs, such as meeting extra expenses not covered under the policy otherwise.

What Is Not Covered Under Corona Kavach Cover? <Exclusions>

  • Any hospitalisation under 24 hours
  • Covid-19 claims made for diagnosis made before the policy came into effect
  • Medicine not prescribed by the doctor or any treatment unrelated to Covid-19
  • Diagnosis or treatment outside India
  • Testing that is done in an unauthorised government testing centre
  • Corona Kavach claims do not apply to the OPD and Daycare procedures

It is important to keep in mind that inclusions and exclusions differ from company to company. Hence it becomes mandatory to go through the terms before choosing your policy provider, that caters to your needs and requirements.

Corona Kavach Policy Premium Comparison Chart

Corona Kavach is a health insurance plan that is being offered by all General and Standalone health insurance providing companies in India. Here are some Corona Kavach premiums offered by various companies. The Claim Settlement Ratio is for the financial year 2019-2020, as issued by IRDAI. 

The table given below shows the premiums across the age group of 25 to 30 years for a sum insured of INR 1 lakh:

Name of the CompanyThe premium for 3.5 monthsThe premium for 6.5 monthsThe premium for 9.5 monthsClaim Settlement Ratio in Percent (%)
Sum Insured: INR 1 lakh
Bajaj Allianz General Insurance INR 531INR 708INR 88598.61
Oriental Insurance INR 215INR 351INR 43492.71
Star Health & Allied InsuranceINR 525INR 630INR 70999.9
United India InsuranceINR 256INR 412INR 56889.81
Raheja QBEINR 375INR 550INR 65030.29
National InsuranceINR 510INR 745INR 90045.37

This Table shows the premium for the individuals between 25 to 30 years of age and for the Sum Insured of INR 3 lakhs and 5 lakhs: 

Name of the CompanyThe premium for 3.5 monthsThe premium for 6.5 monthsThe premium for 9.5 months
Sum Insured: INR 3 lakhs
Bajaj Allianz General Insurance INR 648INR 864INR 1080
Oriental Insurance INR 461INR 753INR 932
Star Health & Allied InsuranceINR 1055INR 1266INR 1424
United India InsuranceINR 464INR 828INR 1192
Raheja QBEINR 775INR 1150INR 1375
National InsuranceINR 955INR 1390INR 1670
Sum Insured: INR 5 lakhs
Bajaj Allianz General Insurance INR 792INR 1056INR 1320
Oriental Insurance INR 636INR 1039INR 1286
Star Health & Allied InsuranceINR 1408INR 1690INR 1901
United India InsuranceINR 620INR 1140INR 1660
Raheja QBEINR 975INR 1450INR 1750
National InsuranceINR 1360INR 1975INR 2385

Source: (Economic Times Live mint)

How To Buy Corona Kavach Policy Online?

You will be surprised to know how easy it is to buy Corona Kavach Policy online. You just need to keep the following simple steps in mind.

Step 1
Visit the online website of different insurance providers and provide basic information like age, gender, contact number and insurance requirements.

Step 2
Make the online payment for the premium through a secured payment mode. You can pay through credit/debit card or net banking.

How Can I Cancel My Corona Kavach Policy?

If the policyholder is not satisfied with the terms of coverage or in case the policy does not meet the personal requirements, the policyholder can cancel the policy within 15 days of buying it. The premium paid will be adjusted as per the Insurance Regulatory and Development Authority of India (IRDAI) prevailing norms. This feature makes the policy more flexible for the policy providers. 

On the other hand, the policy provider can also cancel the policy at any time if the policyholder provides misleading information like non-disclosure of material facts pertaining to medical history, any fraudulent activity at the time of making the claim of the policy. Submitting false documents or misrepresentation can also lead to the cancellation of the policy by the policy provider. In case of any fraud, the company is not liable to pay anything to the policyholder.


Words like – mask, stay home, social distance, sanitization, quarantine have become part of our daily life. Coronavirus has affected millions of people all around the world. It has brought the economies of countries to their knees. There are financial crises, people are losing their livelihood and suffering at the hands of this virus. 

Despite all the efforts of the government and enormous optimism, India is the 2nd worst-hit country in the world. Numerous people have been affected adversely. And the worst part is- the count is still rising! In such a grim situation, the ray of hope is keeping yourself and your loved ones as safe as possible and shielding them with a good health insurance plan. Buying Corona Kavach Health Insurance Policy gives you a headstart in case any member of the family is infected by this deadly virus.


Corona Kavach Policy is an indemnity based policy. You can avail of the benefits after the hospitalization for a minimum of 24 hours. Special consideration is given in cases where the patient can not be moved to the hospital.

You can avail of the policy for 105 days, 195 days or 285 days. It will entirely depend on your individual requirement.

You may include yourself, your spouse and your dependent children who are between 18 to 25 years of age. Parents and parents-in-law can also be added to the family floater. But if the children are above 18 and financially independent, they can not be added. Moreover, the policy offers coverage to a maximum of two adults and three independent children under one plan.

The policy covers expenses of homecare treatment and hospitalization, in case the policyholder tests Covid-19 positive. It however does not cover the expenses of quarantine.

Yes, the policy covers these expenses, if the policyholder is diagnosed Covid-19 positive in a government authorized diagnostic centre. The policy also includes expenses incurred on treatment of any comorbidity.

To buy the policy, the person needs to be a citizen of India. A Non-Resident Indian or an overseas resident of India can also buy the policy, provided they are in India while buying it.

No, they are not. The maximum entry age to buy this insurance plan is 65 years.

No, it is not mandatory.

The sum insured amount that can be availed is Rs 50,000 to Rs 5 lakh under this policy.

Yes, the premium paid for the policy is eligible for tax benefits under section 80D of the Income Tax Act of 1961.

Subject to the underwriting policy, Corona Kavach Policy may be further renewed for an additional tenure of 3 ½ months, 6 ½ months or even 9 ½ months. It will depend upon the options exercised. To renew the policy, you need to ensure that it doesn’t lapse and the premiums are duly paid on time.

There would be no additional waiting period when the policy is up for renewal. The benefits can be continued.

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