Max Bupa Insurance Corona Kavach Policy

As the name suggests, the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 is a health insurance policy which offers coverage for you and your family against the hospitalisation expenses arising due to COVID-19. This insurance policy which can be availed by an individual or for his or her family.

Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 Features and Benefits

The features and benefits of the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 can be summed up as follows:

  • The policy covers comorbidities arising out of COVID-19
  • Affordable insurance premium starting from Rs.1,039
  • The family policy covers up to 2 adults and 4 children
  • Avail the benefits of hospital to home care treatment up to the sum insured
  • Avail the benefit of choosing hospital daily cash
  • Avail the benefits of pre-hospitalisation cover expenses
  • Avail the benefits of post hospitalisation cover expenses
  • Avail the benefits of home care treatment expenses
  • Coverage for medical expenses alternative treatment methods (AYUSH treatment)

Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 Eligibility Criteria

Minimum age of entry For adults – 18 years For children – 1 day
Maximum age of entry For adults – 65 years For dependent children – 25 years
Policy tenure 3.5 months, 6.5 months, and 9. 5 months
Type of coverage Individual and family
Maximum sum insured Up to Rs.5 lakh

Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 Coverage

The Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 covers the following:

  • AYUSH treatment expenses
  • Expenses in regard to Home Care Treatment
  • Charges for ambulance service
  • Hospitalisation cover for COVID
  • Pre-hospitalization expenses
  • Post-hospitalization expenses
  • Add-on Cover: Hospital Daily Cash

What is not covered under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19

The following are not covered under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19:

  • The evaluation and investigation of the disease will not be covered
  • The policy will not cover rest cure, respite care, and rehabilitation
  • Dietary supplements which do not need to be prescribed will not be covered under the hospitalisation claim or home care treatment expenses
  • Claims which are made in the case of diagnosis of COVID-19 takes place before the start date of the policy will not be covered
  • Day care treatment will not be covered
  • OPD treatment will not be covered
  • Vaccination and inoculation will not be covered
  • The expenses arising out of any treatment, supplies, and/or services which are unproven for the treatment will not be covered
  • Expenses in relation to COVID within the first 15 days of the policy commencement will not be covered
  • The policy will stop being in effect for the insured in case he or she travels to a destination wherein the Government of India has already put up a restriction
  • Any diagnosis or treatment which has been done outside the geographical limits of India will not be covered

How to buy the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19

In order to buy the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19, you can follow any one of the methods mentioned below.

1) Online Purchase: You can buy the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 policy online by visiting the official website of Max Bupa. In this case, the policy is generated almost immediately, provided the process does not require any undertaking or a medical check-up.

2) Telephonic Purchase: You can also buy the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 policy by getting in touch with the insurance provider over the telephone. You can call on 1860 500 1000 between 9 AM and 6 PM from Monday to Saturday. The executive will walk you through the process and help you purchase your insurance policy.

Alternatively, you can also fix an appointment for the same and meet a representative of the insurance provider to purchase the insurance policy.

How to place a claim under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19

You can place a claim under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 policy through two different methods. Under the cashless claim method, you will be required to be admitted to a network hospital. However, if you are getting admitted to a non-network hospital, you can place a reimbursement claim. The methods of claim are discussed below:

1) Cashless Claims:

You can follow the steps mentioned below to place a cashless claim:

Step 1: The patient should be admitted to one of the branches of the listed network hospitals of Max Bupa

Step 2: For the documentation at the hospital, use the Max Bupa Health Card which is issued along with your policy and provide your policy number and a photo ID such as passport, PAN card, Aadhaar card, etc.

Step 3: The network hospital will validate the ID and the policy details and submit the same to Max Bupa for the pre-authorisation

Step 4: The submitted documents and details of the policy will be reviewed and validated by the insurance provider after which they will send a confirmation to the hospital and the policy holder.

Step 5: Once all the formalities are taken care of, Max Bupa will settle the claim as per the terms and policies with the hospital

2) Reimbursement Claims:

You can follow the steps mentioned below to place a reimbursement claim:

Step 1: On the discharge date, visit the official website of Max Bupa and enter your policy details along with all the other relevant documents to initiate the claim process. This can be done through the Max Bupa Health application as well.

Step 2: Submit scanned copies of the claim support documents along with the copy of a cancelled cheque and a valid photo ID proof and address proof.

Step 3: Max Bupa will acknowledge the submission of the documents and validate the same for the claim process.

Frequently Asked Questions (FAQs)

  1. What is the minimum and maximum sum insured under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19?
  2. The minimum sum insured under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 is Rs.50,000. The maximum sum insured is Rs.5 lakh.

  3. What is the minimum and maximum policy term under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19?
  4. Under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19, the minimum policy term is 3.5 months while the maximum is 9.5 months.

  5. Who is eligible to be family to be able to be covered under the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 policy?
  6. Provided the policy holder is in the range of 18 years to 65 years, he or she can avail the policy and include his or her family under it. The following individuals will be considered as family as per the terms and conditions of Max Bupa:

    • Parents and parents-in-law
    • Legally wedded spouse
    • Dependent children between the age of 1 day and 25 years
  7. What is covered under the AYUSH treatment package of the Max Bupa Corona Kavach - Family Health Insurance Plan for COVID-19 policy?
  8. The AYUSH treatment coverage includes Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy treatment methods.

  9. Is it necessary for me to go through a medical check-up before purchasing an insurance policy?
  10. Yes, it is necessary to get a medical check-up done, in general, before buying an insurance policy. However, it is not always necessary in the case of renewals of the policies. The terms and conditions are subject to change from insurer to insurer.

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