Reliance Corona Kavach Policy for COVID-19

What is Covered under Reliance Corona Kavach Policy

1. Boarding, room, and nursing expenses are covered under the policy.
2. The doctor fees including the fees of surgeon, anesthetist, medical practitioner, and consultants are also covered.
3. Cost of PPE kits, gloves, mask, blood, oxygen, medicines and drugs will be covered by the insurance company.

1. ICU expenses is covered under the policy.
2. If you avail the service of an ambulance to get hospitalised, the expenses incurred up to Rs.2,000 for each hospitalisation will be covered.
3. The cost of home care treatment for up to 14 days will be covered by the insured.
4. Medical treatment received under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems on being diagnosed with Covid-19, the expenses incurred will be covered by the insurance company.
5. Pre-hospitalisation cover for up to 15 days prior to the date of you being admitted to the hospital.
6. Post-hospitalisation cover for up to 30 days after being discharged from the hospital.
7. For every one day of hospitalisation for up to a period of 15 days, you will receive a daily cash payout by the insurer.

What is not Covered under Reliance Corona Kavach Policy

1. If you get yourself treated for any other pre-existing health condition or disease.
2. If you get yourself diagnosed at any unauthorised testing center or hospital.
3. If you travel to a country put under the travel restriction by the Indian Government.
4. If you get treated outside India.
5. The claim won't be paid if you get yourself diagnosed before the policy commencement date.
6. Cost related to OPD and Day Care treatment.
7. If you purchase any dietary substance or supplements without any prescription.
8. Cost incurred for receiving medical treatment through practices which lacks proper medical documentations.

How to Buy Reliance Corona Kavach Policy?

1. Click on the link https://www.reliancegeneral.co.in/Insurance/Health-Insurance/Corona-Kavach-Insurance.aspx.
2. On the left-hand side of the page under 'Please share your Details', enter your name, city, mobile number, and email ID.
3. Tick the box where you agree to all the terms and conditions and click on 'Submit'.
4. A representative from the insurance company will get in touch with you.

You can also visit the nearest Reliance General Insurance branch along with all the necessary documents to apply for this insurance policy. A representative on behalf of the insurer will help you with the application process.

Procedure for Claims

You will have to get yourself treated at one of the insurer's network providers or any centers approved by the insurance company. Fill the cashless form and send it to the insurer who will evaluate it. If all the details provided are correct, then a pre-authorisation letter will be sent to the hospital. At the time of discharge sign all the relevant documents including the medical bills. These documents will then be sent to the insurer who will then cover the cost of treatment incurred.

In case you have paid the billing amount out of your pocket, keep all the bills with you and send it to the insurance company along with other relevant documents. The insurer will verify the bills and documents, and if all the details are correct, the amount will be reimbursed to you.