Niva Bupa Corona Kavach Health Insurance
The Corona Kavach Policy is an indemnity insurance plan offered by Niva Bupa Health Insurance that covers the cost for the treatment of COVID-19. The policy period for Corona Kavach comes in the following options: 3.5 months, 6.5 months, and 9.5 months.
There is a waiting period of 15 days included in the policy. After that, you will be entitled to the benefits offered by the policy. Niva Bupa Corona Kavach Health Insurance covers a wide range of costs such as expenses for pre-hospitalisation and post-hospitalisation, ambulance charges, home care treatment charges, AYUSH treatment charges, and more.
Eligibility Criteria to Avail Niva Bupa Corona Kavach Health Insurance
Given below are the conditions that must be fulfilled to purchase the Niva Bupa Corona Kavach Health Insurance policy:
- Any individual aged between 18-65 years is eligible to buy the Corona Kavach policy.
- Individuals who are above 65 years of age can purchase this policy to insure their parents, in-laws and spouse.
- Insured children who are above 18 years of age and independent will not be eligible to avail of the benefits of this policy.
- Dependent children are eligible to avail of the Corona Kavach policy until they attain 25 years of age.
How to Claim Niva Bupa Corona Kavach Health Insurance
Here are the steps to claim Niva Bupa Corona Kavach Health Insurance policy.
- Step 1: For an emergency hospitalisation, you should inform the insurer within 24 hours of hospitalisation. A planned hospitalisation requires you to notify the insurer two days before admission.
- Step 2: Now, you can proceed with the claim request process by submitting a pre-authorisation form to the hospital's third-party administrator (TPA) section.
- Step 3: The insurer will verify your details and approve your request. In case your claim request gets rejected, you can opt for a reimbursement claim.
Inclusions of Niva Bupa Corona Kavach Health Insurance
Niva Bupa Corona Kavach Health Insurance policy covers the following medical expenses.
- Expenses for nursing, room rent, and boarding for COVID-19 treatment.
- Fees paid to the medical practitioner, surgeon, specialist, anaesthetist, and consultants.
- Transportation charges if an insured person is transferred from one hospital to another as directed by the medical practitioner.
- AYUSH treatment expenses.
- Ambulance charges for up to Rs.2,000 for hospitalisation associated with COVID-19 treatment.
- Expenses for treating an insured individual in an Intensive Care Unit (ICU) or Intensive Cardiac Care Unit (ICCU).
- Expenses for oxygen, surgical instruments, PPE kits, masks, diagnostic tests, anaesthesia, blood, medicines, operation theatre, ventilator, and gloves.
Exclusions of Niva Bupa Corona Kavach Health Insurance
Niva Bupa Corona Kavach Health Insurance policy does not provide coverage for the following circumstances.
- Outpatient department (OPD) treatment and daycare treatment.
- All claims related to COVID-19 prior to policy initiation.
- Investigation and evaluation expenses.
- Hospitalisation charges incurred for respite care, rehabilitation, and rest care.
- Diagnosis and treatment done outside India.
- Test performed in diagnostic centres that are not government authorised.
- Vitamins, dietary supplements, and other organic substances purchased without a medical practitioner's prescription.
Documents Required to Claim Niva Bupa Corona Kavach Health Insurance
To claim the hospitalisation cover, the following documents have to be produced by a policyholder.
- A copy of the passport (if available)
- Filled and signed claim form
- Photo identity proof (if a passport is unavailable)
- NEFT details
- Medical practitioner's prescription for hospitalisation
- Original payments receipts and hospital bills
- Discharge summary that includes the patient's medical history and other relevant details
- Medical test reports
- Legal heir/succession certificate (if applicable)
- Surgeon's certificate and operation theatre notes (if applicable)
- KYC documents if claims are more than Rs.1 lakh
- Implants stickers or invoices, if applicable
- Any other related documents required by the TPA or company for the claim assessment.
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.
FAQs About Niva Bupa Corona Kavach Health Insurance
- Will my parents be covered under the Niva Bupa Corona Kavach Health Insurance policy?
Yes. You can include yourself as well as your parents, dependent children, and legally wedded spouse under the Corona Kavach policy.
- Is the road ambulance charge covered under the Corona Kavach policy?
Yes. The Corona Kavach policy provides coverage of up to Rs.2,000 per hospitalisation.
- Does the Corona Kavach policy come with a lifetime renewability facility?
No. You will have to purchase a new policy to avail of the coverage.
- What is the coverage available under the Corona Kavach policy?
The Corona Kavach policy provides coverage of up to Rs.5 lakh.
- What is the policy period for Corona Kavach policy?
The Corona Kavach policy can be availed for 3.5 months, 6.5 months, and 9.5 months.
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