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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Healthcare workers get 5% discount on premium


Note: Each member will be issued an individual policy.


Why our customers love us?Corona Kavach Policy, ICICI Lombard

99.9% health claim
settlement ratio (FY20)*

6500+ network

Speedy claim

*Source: IRDAI #As on 31st July,2020

About Corona Kavach Policy, ICICI Lombard

Corona Kavach Policy is a Covid 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 hospitalization expenses for Covid treatment, including hospital room rent, nursing expenses, surgery costs, specialist fees, and more. The sum insured for the Corona Kavach Policy ranges from ₹50K to 5 lakhs, 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.

What’s included and what’s not?

  • inclusions
  • exclusions
  • Inpatient hospitalisation

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

    Home care for Covid-19, for a maximum period up to 14 days per incident, provided a medical practitioner has prescribed home care treatment. This benefit covers Covid diagnostic tests undergone at home or at diagnostics centre, medicines, consultation charges, nursing charges, medical procedures limited to parenteral administration of medicines, and costs of pulse oximeter, oxygen cylinder and nebulizer.
  • ICU costs

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

    Cost of treatment for any comorbid condition including pre-existing comorbid condition(s), along with the treatment for Covid.
  • Inpatient AYUSH treatment

    The Medical expenses incurred on hospitalization under AYUSH (as defined in IRDAI (Health Insurance) Regulations, 2016) systems of medicine for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre shall be covered up to the Sum Insured without any sub-limits.
  • Floater benefit

    Extending the coverage of your single policy to your family (legally wedded spouse, dependent parents and parents-in-law, dependent children) by paying one premium amount on floater basis. You can get any child above 3 months of age covered under the policy provided one adult is also covered under it.
  • Hospital daily cash cover

    Fixed daily allowance ranging from ₹250 to ₹2500 per day for each 24 hours of continuous hospitalization for Covid treatment, payable maximum up to 15 days during the policy period.
  • Post-hospitalization

    Medical expenses incurred for a period of 30days from the date of discharge from the hospital/completion of home care treatment, following an admissible claim under this policy.
  • Pre-hospitalisation

    Medical expenses incurred for a period of 15days prior to the date of hospitalisation/home care treatment following an admissible claim under this policy. This also covers the costs of diagnostics towards Covid.
  • Ambulance expenses

    On road ambulance expenses, up to ₹2000/- per hospitalization.
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  • Any admission primarily for diagnostic and evaluation expenses
  • Costs incurred for treatments out of India
  • OPD expenses.
  • Expenses incurred at spas and nature cure clinics
  • Bills for dietary supplements and substances that are not prescribed.
  • Diagnostic expenses that don’t relate to the treatment you are undergoing

What is the claim process? Corona Kavach Policy, ICICI Lombard

Cashless Claims

  • Get admitted

    Choose any of our network hospitals
  • Share documents

    Fax your pre-authorisation form with relevant documents
  • We verify

    Allow us to review your claim
  • We settle

    Your claim is settled by the ICICI Lombard Health Care team

Reimbursment Claims

  • Collect bills

    You’ll need the original hospital bills and documents
  • Share documents

    Mail the duly filled (and signed by insured and treating doctor) claim form and documents to your service provider (ICICI Lombard Health Care or TPA)
  • We verify

    Allow us to review your claim
  • We settle

    Your claim is settled by the ICICI Lombard Health Care team


  1. Cashless facility is only available at our cashless network hospitals
  2. In case of planned hospitalisation, contact your service provider two days prior to admission
  3. In case of emergency hospitalisation, contact your service provider within 24 hours of hospitalisation
  4. For intimating the claim, please call our 24x7 toll free number 1800 2666 or SMS ‘HEALTHCLAIM’ to 575758 (charge – ₹ 3 per SMS) or email us at
  5. Please send the relevant documents to : ICICI Lombard Health Care, ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500 032

What are the benefits? Corona Kavach Policy, ICICI Lombard

Covid-19 covered

You are covered for inpatient hospitalisation expenses and homecare expenses, on positive diagnosis of Covid-19

Multiple policy term options

You can opt for a policy term of three and half months, six and half months, or nine and half months, based on your personal preference.

Cashless services

You can avail cashless hospitalisation or homecare services, from any of the hospitals in our network

Get answers to common queries

  • General
  • Cover
  • Premium
  • Claims
  • Policy
Why do I need Corona Kavach policy?

This policy protects you from financial worries related to the positive diagnosis and treatment of Covid-19. It also covers your family under the floater benefit, so medical expenses are the least of your worries if your dependants 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. Your dependent child/children will be covered from day 1 of age to 25 years.

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

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

  • A medical practitioner has advised you to undergo treatment at home.
  • There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.
  • Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.
What do you mean by annual sum insured?

The annual (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?

You can choose your sum insured depending on your current age, health conditions, number of family members covered, family medical history and ability to pay the premium. You can consider these and then decide your sum insured amount, or you can call us on 18002666 for assistance.

What is the waiting period for Corona Kavach?

The waiting period is 15 days for Corona Kavach.

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What coverage do I get with the Corona Kavach?

Hospitalisation, pre-hospitalisation, post-hospitalisation and homecare expenses for Covid-19 treatment are covered under Corona Kavach.

Does Corona Kavach cover COVID-19 diagnostics?

Covid-19 diagnostics are covered as part of the pre-hospitalization medical expenses, within a period of 15 days prior to the date of hospitalization/home care treatment.

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

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

Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

No, Corona Kavach does not cover these expenses.

Will Corona Kavach cover expenses due to quarantine?

In case the quarantine is in a hospital or home on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine will not be covered.

Will Corona Kavach cover hospitalisation in a country other than India?

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

Are the consultations with a Medical Practitioner and diagnostic tests in relation to COVID-19 covered under my Corona Kavach?

Further, in case there is hospitalisation on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred for consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner in the 15 day period prior to the date of admission and 30 day period after date of discharge will be covered as per policy terms and conditions.

Whom can I include in my policy under floater cover?

Under your Corona Kavach policy, you can include yourself, your legally wedded spouse, parents, parents-in-law and dependent children (natural or legally adopted).

Is overseas treatment for an illness covered?

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

Are comorbid conditions covered?

The policy includes the cost of treatment for any comorbid condition including pre-existing comorbid condition(s) along with the treatment for Covid.

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

AYUSH treatment will be covered by ICICI Lombard 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, surgeon’s/doctor’s fee, anaesthesia, blood, oxygen, operation theatre charges etc.

What expenses are covered under Pre and Post Hospitalisation?

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

Is there a specific geographical jurisdiction for receiving treatment?

You can avail treatment anywhere in India to claim benefits under this product.

What are the expenses incurred for COVID-19 that will not be covered under my Corona Kavach?

The non-payable expenses as listed by IRDAI will not be covered under your Corona Kavach.

Will my family members be covered for COVID-19 expenses?

Yes, provided they are covered under Corona Kavach policy.

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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.

What parameters are considered for calculating the premium?

Cover opted (Individual/Floater)
Age of senior-most member
Sum Insured selected

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 do I do if my claim is rejected?

If your claim is rejected, you can ask the reason for such rejection. If you’re not convinced, you can contest the decision. A claim can be rejected for several reasons like an incomplete waiting period, incorrect information provided and delay in making a claim.

What is the Claim Settlement Ratio for ICICI Lombard Health Insurance?

Our claim settlement ratio for health is 99.8% (FY19).

What is the procedure for reimbursement settlement?

All the claims have to be intimated 48 hours prior to hospitalisation and within 24 hours post admission in case of emergency.

  • To intimate claim SMS 'HEALTHCLAIM' to 575758 (charge – ₹3 per SMS) or call our toll free number 1800 2666 or e-mail us at
  • Send your duly filled (and signed by you as well as your treating doctor) claim form and required documents to us
  • 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 to you
What is the process to make a claim?

The claim process involves 3 steps

  • Claim Intimation
  • Claim Processing
  • Claim Payment/Closure

You can intimate the claim through various modes:

  • Call Centre
  • Walk-in
  • E-mail
  • Fax
  • Letter
  • SMS
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


Whom should I contact to make a claim?

You should contact ICICI Lombard claims management team or customer service.

Will my travel history abroad affect the admissibility of claim under Corona Kavach?

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

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What are the sum insured options provided under Corona Kavach?

The annual sum insured options range between ₹5K to ₹5 lakhs 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 lakhs then Corona Kavach is not the right pick for you. Explore our higher sum insured plans here.

What is the tenure for Corona Kavach?

Corona Kavach is offered with a policy term of three and half months (3 ½ months), six and half months (6 ½ months) and nine and half months (9 ½ months) including the 15-day waiting period.

Are all the major corporate hospitals on the network?

ICICI Lombard has tie-ups with over 5025+ leading hospitals across the country. This is to ensure the best service and round-the-clock assistance for our policyholders. Being in the network, these hospitals come with the cashless hospitalisation facility.

What is beneficial for me - floater insurance or individual insurance?

For young families, a floater insurance policy is more economical than opting for multiple individual policies. You get a higher coverage at an affordable premium in floater insurance, as compared to individual insurance.

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

A health card contains the details of the health insurance policy and is issued with the policy. It also contains the contact details and numbers of third-party administrators (TPA), whom you can contact during a medical emergency for assistance, queries or clarifications. You can avail the benefit of cashless hospitalisation at the cashless network hospitals on producing the health card.

What is a Health Card?

It is a card that you get along with your policy. It is similar to an identity card and entitles you to avail cashless hospitalisation at any of our network hospitals.

What are the benefits of a health card?

A health card mentions the contact details and the contact numbers of the Third Party Administrator (TPA). In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.

What plans are available under the Corona Kavach?

There are no variants of Corona Kavach.

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