Corona Kavach
Policy, ICICI Lombard

Insure your health against Coronavirus

  • Standard Covid-19 policy
  • Available for short & long term
  • Flexible sum insured
  • Home care covered
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Why our customers love us?Corona Kavach Policy, ICICI Lombard

9300+ network
hospitals#

Speedy claim
approvals

*Source: IRDAI #As on 31st July,2020
Corona Kavach Health Insurance Policy

What is a Corona Kavach policy?

Corona Kavach policy is a Covid-19 specific product, addressing your basic health insurance needs during the global pandemic. If you’re worried about the medical expenses of Covid-19, then this policy is a suitable choice. It covers your hospitalisation expenses for Covid-19 treatment, including hospital room rent, nursing expenses, surgery costs, specialist fees, and more. The sum insured for the Corona Kavach policy ranges from ₹50 thousand to ₹5 lakh, so you can choose the desired amount based on your individual or family needs. If you prefer alternative treatment, you’ll be glad to know; this policy also covers Ayurveda, Unani, Siddha and Homeopathy (AYUSH) inpatient care treatment for Covid-19.

Why should you buy a Corona Kavach policy from ICICI Lombard?

We simplify health security!

Affordable premiums and easy renewals are some of the key features of our Corona Kavach health insurance policy. You can avail timely medical services at our strong network of 9300+ cashless hospitals* across the country. We also have an in-house claims team, which helps us provide quick claim service to all our customers.

Besides, we also offer Hospital Daily Cash cover at a nominal extra premium to supplement your Corona Kavach plan. This add-on covers your out-of-pocket expenses during Covid-19 hospitalisation, with a fixed daily allowance.

What is covered under the ICICI Lombard Corona Kavach policy?

Below are the detailed inclusions and exclusions of our Corona Kavach policy

  • inclusions
  • exclusions
  • Inpatient hospitalisation

    Hospitalisation expenses (for minimum 24 hours hospitalisation), on a positive diagnosis of Covid-19 in a government authorised diagnostic centre. This includes room rent, boarding and nursing expenses; medical practitioner, consultants and specialist fees; blood, oxygen, ventilator charges; surgical appliances; medicines and drugs; costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves and mask.
  • Home care treatment

    Home care for Covid-19, for a maximum period of 14 days per incident, provided a medical practitioner has prescribed home care treatment. This benefit covers doctor consultations, paramedic assistance, regular vital monitoring by nurses, investigations, pharmacy (medicines). Note: If oxygenation is required for Covid-19 treatment, you will have to get admitted at a hospital.
  • ICU costs

    Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Treatment for comorbid conditions

    Cost of treatment for any comorbid condition, along with the treatment for Covid-19.
  • Inpatient AYUSH treatment

    The Covid-19 hospitalisation expenses you incur under AYUSH (as defined in IRDAI Regulations, 2016) systems of medicine, will be covered up to the sum insured without any sub-limits. This is applicable only on positive diagnosis of Covid-19 in a government authorised diagnostic centre.
  • Post-hospitalization

    Medical expenses you incur during 30 days after hospitalisation or completion of home care treatment.
  • Hospital daily cash cover

    Fixed daily allowance ranging from ₹250 to ₹2500 per day. Applicable for each 24 hours of continuous Covid-19 hospitalisation, payable maximum up to 15 days during the policy period.
  • Ambulance expenses

    On road ambulance expenses, up to ₹2000/- per hospitalization.
  • Pre-hospitalisation

    Medical expenses you incur during 15 days before hospitalisation or home care treatment. This also covers Covid-19 diagnostic costs.
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  • Any hospitalisation expenses you incur primarily for diagnostic and evaluation
  • Diagnostic expenses that don’t relate to the treatment you are undergoing
  • OPD expenses
  • Expenses incurred at spas and nature cure clinics
  • Bills for dietary supplements and substances that are not prescribed
  • Costs incurred for treatments out of India

Claim calmly

It’s as easy as

  • 1
  • 2
  • 3
  • 1

    Intimate

  • 2

    Verify

  • 3

    Settle

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What are the benefits? Corona Kavach Policy, ICICI Lombard

Covers Covid-19

If you are diagnosed positive for Covid-19, you are covered for inpatient hospitalisation expenses and home care expenses.

Gives flexible policy term options

You can opt for a policy term of 3.5 months (105 days), 6.5 months (195 days), or 9.5 months (285 days), based on your personal preferences.

Provides cashless services

You can avail cashless hospitalisation or home care services, from any of our network hospitals.

List of Cashless Hospitals

Locate your nearest
hospital

We have a network of

9300+ cashless hospitals*

Find hospitals

If you are an existing policyholder of erstwhile Bharti AXA General Insurance,
click here to locate your nearest network hospital.

*As of FY 2020-21

Get answers to common queries about the Corona Kavach policy

  • General
  • Cover
  • Premium
  • Claims
  • Corona Kavach Policy

Why do I need a Corona Kavach policy?

This policy protects you from financial worries related to Covid-19, so medical expenses are the least of your worries if you need treatment.

What’s the age limit for Corona Kavach?

You need to be over 18 years old and not more than 65 years old to get insured under Corona Kavach policy.

Can I avail Covid-19 treatment at home under this policy?

Under the Corona Kavach policy, we will cover the costs of Covid-19 treatment taken at home for up to 14 days per incident provided that:

  • A medical practitioner has advised you to undergo treatment at home.
  • You are undergoing a continuous active line of home care treatment and your health status is monitored by a medical practitioner for each day.

What do you mean by sum insured?

The (basic) sum insured is the maximum and total amount that an insurance company is liable to pay you for all the claims made under a policy.

What should my sum insured be?

While choosing your sum insured you should consider your current age, health conditions, medical history and ability to pay the premium. If you need help, please call us on 18002666.

What is the waiting period for Corona Kavach?

The waiting period for Corona Kavach policy is 15 days. In case of hospitalisation/home care on account of a positive COVID-19 diagnosis, we will cover your medical expenses, provided the illness is contracted after completion of 15 days.

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What coverage do I get with Corona Kavach?

Your expenses related to hospitalisation, pre & post hospitalisation and home care treatment, on a positive diagnosis of Covid-19, are covered under Corona Kavach.

Does Corona Kavach cover Covid-19 diagnostics?

If your positive Covid-19 diagnosis happened within 15 days before the hospitalisation/ home care treatment, then the cost is covered as part of the pre-hospitalisation medical expenses. This is applicable only if your main hospitalisation/home care claim is for a positive Covid-19 case.

Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?

The expenses towards vaccination or any other preventive treatment are not covered under Corona Kavach.

Will Corona Kavach cover expenses due to quarantine/isolation?

If you are diagnosed as Covid-19 positive, and are requested to stay under home quarantine/isolation on the advice of a medical practitioner, then we cover the medical expenses under the home care benefit as per your policy terms and conditions. However, costs you incur during self-quarantine/self-isolation will not be covered.

Will Corona Kavach cover hospitalisation outside India?

No. The geographical scope of Corona Kavach is limited to India.

Are COVID-19 medical consultations and diagnostic tests covered under Corona Kavach?

In case of an approved claim for Covid-19 related hospitalisation, all COVID-19 expenses you’ve incurred up to 15 days prior to the admission date and 30 days after discharge will be covered as per policy terms and conditions. This will also include consultations with a medical practitioner, diagnostic tests and medicines.

Is overseas treatment for an illness covered?

The expenses for overseas treatments are not covered under Corona Kavach policy.

Are comorbid conditions covered?

Along with the treatment for Covid-19, the policy includes the cost of treatment for any comorbid condition including pre-existing conditions. This is applicable only where the primary admission is for Covid-19 treatment.

Is overseas treatment for an illness covered?

The expenses for overseas treatments are not covered under Corona Kavach policy.

Are comorbid conditions covered?

Along with the treatment for Covid-19, the policy includes the cost of treatment for any comorbid condition including pre-existing conditions. This is applicable only where the primary admission is for Covid-19 treatment.

How do I know if Corona Kavach covers an institute for AYUSH treatment?

We cover AYUSH treatment only when treatment is undertaken in a government hospital or any institute recognised by the government and/or accredited by Quality Council of India/National Accreditation Board of Health. Treatment taken at a healthcare facility which is not a hospital is excluded.

What does basic hospitalisation cover?

It covers the inpatient hospitalisation expenses incurred during hospitalisation for a minimum period of 24 consecutive hours. These include boarding and nursing expenses, intensive care unit charges, doctor’s fee, blood, oxygen, etc.

What expenses are covered under pre and post hospitalisation?

It refers to the medical expenses incurred immediately 15 days before and 30 days after hospitalisation.

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How many premium payments do I need to make for a Corona Kavach policy?

For a Corona Kavach policy, you need to make a single premium payment.

How much premium qualifies for tax benefits?

Under section 80D of the Income Tax Act, you’re allowed to claim a deduction of ₹25,000 per year for the premium paid on health insurance. The permitted deduction for senior citizens is ₹50,000.

What parameters are considered for calculating the premium?

Cover opted
Age
Sum Insured

Is this product priced according to tier/location?

The premium for this product is not affected by the location of the policy holder.

Whom do I call at the time of emergency hospitalisation?

You can contact us on our toll-free number 1800 2666 or SMS "HEALTHCLAIM" to 575758 to receive a call back. To avail cashless service use the health card at any network hospital. For cashless emergency hospitalisation, we need to be contacted within 24 hours of hospitalisation

What is the process to make a claim?

The claim process involves 3 steps

  • Claim Intimation
  • Claim Processing
  • Claim Settlement

You can intimate a claim through various modes:

  • Visit IL Health Care
  • Call on 1800 2666 (toll-free)
  • Write to us at customersupport@icicilombard.com
  • SMS 'HEALTHCLAIM' to 575758
  • Send us a fax at 022 61961323

 

To help us process your claim, you need to furnish/courier hard copies of all requisite claim documents to the address mentioned below:

ICICI Lombard Healthcare,
ICICI Bank Towers,
Plot No. 12,
Financial District,
Nanakramguda,
Gachibowli,
Hyderabad- 500032

What is the procedure for reimbursement settlement?

You need to intimate your claims 48 hours before hospitalisation and within 24 hours of emergency admission.

  • To intimate claim SMS 'HEALTHCLAIM' to 575758 (charge – ₹3 per SMS) or call our toll free number 1800 2666 or e-mail us at ihealthcare@icicilombard.com
  • Send us your duly filled claim form (signed by you as well as your treating doctor) and required documents
  • We will review your claim request (as per policy terms and conditions)
  • On approval, we will settle your claim (as per policy terms and conditions) and reimburse the approved amount

What are the steps for cashless settlement?

It is only available at network hospitals.

Steps involved:

  • Make a pre-authorisation request at least 48 hours before a planned hospitalisation and within 24 hours of emergency hospitalisation.
  • Get admitted in network hospital
  • Fax the pre-authorisation form along with relevant documents (Investigation reports, previous consultation papers if any, Cashless ID, Photo ID)
  • We will review your claim request (as per policy terms and conditions)
  • On approval, we will settle your claim (as per policy terms and conditions) with the hospital after completion of all formalities

 

What is the claims process for homecare treatment?

Before beginning the homecare treatment, please notify us and collect the prior approval letter. We will be able to only process the reimbursement claims for approved home healthcare.

To claim for the expenses of Covid-19 homecare treatment, we request you to submit the below documents, which will help us review your request:

  • Doctor consultation with plan of treatment and suggestion of home healthcare
  • Investigation report from a government authorised diagnostics centre, confirming a positive diagnosis of Covid-19
  • Home care services estimation bill with details from the healthcare provider
  • Payment receipts
  • Course of homecare stay (if maintained)
  • Health Card and ID proof (Aadhaar card/Pan card/Voter ID card/other Government ID proof

Will my travel history abroad affect my claim under Corona Kavach?

So long as the hospitalisation is in India, the travel history will not affect the admissibility of your claim under Corona Kavach.

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What are the sum insured options provided under Corona Kavach?

The sum insured options range between ₹50 thousand to ₹5 lakh for Corona Kavach.

Can I get a higher sum insured under Corona Kavach?

If you need a policy with a sum insured higher than ₹5 lakh, then Corona Kavach is not the right pick for you. Explore our higher sum insured planshere.

What is the tenure for Corona Kavach?

Corona Kavach is offered with a policy term of three and half months (105 days), six and half months (195 days) and nine and half months (285 days) including the 15-day waiting period.

Do I need to undergo a pre-medical check-up while buying Corona Kavach??

No, you don’t have to go for a pre-policy medical check-up

Are all the major corporate hospitals on the network?

ICICI Lombard has tie-ups with over 9300+ leading hospitals* across the country. This is to ensure the service and round-the-clock assistance for our policyholders. Being in the network, these hospitals come with the cashless hospitalisation facility.

What is a Health Card, and what are its benefits?

We issue a health card, similar to an identity card, with every health insurance policy. It entitles you to avail cashless hospitalisation at any of our network hospitals. A health card contains your policy details along with the contact details and numbers of third-party administrators (TPA), whom you can contact during a medical emergency for assistance, queries or clarifications.

What if I want to renew my Corona Kavach insurance policy after expiry?

Currently, there is no renewal option available for Corona Kavach. You can opt for a new policy if your previous policy has expired.

What plans are available under the Corona Kavach?

Corona Kavach is a standard policy to cover the health risks the Covid-19 pandemic has brought on. There are no variants of Corona Kavach, but you can choose the period and sum insured as per your need.

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Reviews and ratings

Product Product Code UIN no.
Corona Kavach Policy, ICICI Lombard 4176 ICIHLIP21107V012021