Is the Corona Kavach Health Insurance Cover Really for You?


It took a global pandemic to reinstate the importance of being healthy. While staying fit requires persistent and steady efforts, but a health insurance cover can complement these efforts. Offering a financial coverage for times medical attention is required, it serves as not only a financial backup but also helps to address medical conditions with preparedness.

To make affordable insurance coverage accessible, the regulator, Insurance Regulatory and Development Authority of India (IRDAI) introduced a mandatory and standardisedCorona Kavach policyoffered all standalone health insurance and general insurance companies for treatmentagainst COVID-19.

Corona Kavach Policy – Explained

Being a standardised , the Corona Kavach policy is offered by all insurance companies with same terms and conditions. With this policy, you can fight the virus without any financial worries. Hospitalisation expenses, pre as well as post treatment costs, AYUSH treatment, ICU charges, ambulance charges, homecare treatment are the costs covered by this policy.

Who is the Corona Kavach Policy for?

The eligibility of this policy makes it accessible to everyone who can lay their hands on one, but there are a few types of individuals that can benefit from availing this health insurance policy. Let’s have a look –

For uninsured individuals

For all those who are new to health insurance plans or have never purchased a health insurance cover, the Corona Kavach policy is a good starting point. This policy can help you build a financial safety net to battle against these uncertain times. With an insurance cover that specifically caters to treatment of COVID-19, availing necessary hospitalisation and also the treatments before and after it can be hassle-free.

Those with already a health cover

If you are someone who already has a health insurance policy but deem it too basic or insufficient to address the present treatment costs, a Corona Kavach can come handy. By selecting this policy, you can be rest assured knowing treatment against this deadly virus is covered with a health insurance plan. An ideal way to manage the dilemma of buying a Corona Kavach policy will be evaluating your existing health insurance coverage. Based on such evaluation, you can decide to enhance your existing policy and add a Corona Kavach plan specifically for treatment of COVID-19.

Those covered only by a group insurance plan

Group insurance is one among the various types of health insurance plans that can be bought to insure the health of you and your family. If you employer group insurance plan doesn’t offer coverage for coronavirus or is insufficient based on your judgement, a Corona Kavach policy can be a nifty add-on to your existing health coverage.

The high-risk ones

Those with existing ailments like diabetes, cancer, chronic respiratory ailments and cardiovascular diseases are prone to higher risk of contracting the virus. So, if you or your family member are suffering from any of these ailments, it is advisable to get such additional coverage offered by the Corona Kavach policy. Please refer to the terms and conditions of the plan, entry age and discuss any other queries that you may have with your insurer before opting for the plan. Also ensure that you disclose any pre-existing illnesses that you may have while purchasing the policy.

Now that you know who should get a Corona Kavach policy, why wait any further? Go and get one from your preferred insurance company! Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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