The situation that our country, and the world as a whole, is facing today is rather bleak and unfortunate. The coronavirus pandemic has not only upturned daily life but has given rise to fear, anxiety and doubt. While the situation is grave, it is important not to panic.
The government of India has taken bold measures to contain the spread of COVID-19. It is essential that we follow directives from the government and the World Health Organisation (WHO). By doing so, we can 'flatten the curve' faster.
Our bouquet of comprehensive health insurance plans such as Corona Kavach, Aarogya Sanjivani, and many more health plan available indemnity-based health insurance products can help safeguard you and your family against the financial burden of seeking treatment for the novel coronavirus as well if you are hospitalized and as per policy terms/conditions/exclusions.
The safety of our customers and employees is our top priority in these trying times. We have advised most of our staff to work from home to protect them. But at the same time, we assure you that we are here for you and will deliver all the services you need. Our digital platform is also available 24x7 to help you.
You can also refer to this quick guide which will explain how we can assist you.
GI council proposed COVID rates
Stay protected from Corona
There is no exclusion in our health policies for COVID-19 or any other pandemics, unless in case of policies covering specific named illnesses only. In the unfortunate event any our customers require admission and treatment in a hospital, the claim is admissible subject to other policy Terms & Conditions.
The retail health policies taken a new by any of the insurer have a 30-day waiting period for all illnesses including COVID-19. In case of renewal or portability, the 30-day waiting period would not apply.
If the diagnostic test is done as part of the inpatient treatment, it is covered. In case there is any admission, expenses related to pre and post hospitalization expenses are also payable subject to the time periods in your policy. If your policy covers OPD expenses, then the diagnostic test is payable even if there is no admission.
In case of inpatient treatment, all admissible expenses related to the treatment including room rent, ICU charges, consultation charges, diagnostic tests, medicines and consumables are payable.
Yes, they are covered, if used as part of the inpatient treatment.
For Health Policies in India, the treatment should be taken in India and the mode or place of contracting disease has no bearing on the admissibility of a claim. In case you are still abroad and have a valid overseas travel policy from us, treatment in the country you have travelled to and declared under the policy, will be covered subject to other terms and conditions.
