The first human case of the novel coronavirus disease (COVID-19) was reported in December 2019, and the total number of patients has become 102,034,770 worldwide (according to Worldometer). To date, there have been 10,720,971 confirmed cases in India and, a total of 10,394,352 people have recovered, but for those still suffering from the disease, it is critical to get the best medical care possible.
Scientists have succeeded in developing an efficient COVID-19 vaccine. However, until we receive a vaccine shot, we are in a perilous scenario that necessitates the most stringent safety precautions to protect our loved ones. In today's world of uncertainties and potential health dangers, a health insurance plan acts as a financial shield while also protecting your health in the best way possible.
Among the several actions and efforts undertaken by the Indian government, the insurance industry has also developed different coronavirus-specific basic and standard policies.
What is Corona Kavach Policy?
The Corona Kavach Policy is intended to cover COVID-19-related hospitalised medical expenses in accordance with the Insurance Regulatory and Development Authority of India's (IRDAI) recommendation. During the hospitalisation period, the policyholder is additionally covered for any co-morbid medical conditions caused by the coronavirus.
A Corona Kavach Policy is an indemnity health insurance policy created specifically to cover hospitalisation and medical expenses associated with Covid-19 treatment. This coverage covered pre-and post-hospitalization expenses, as well as domiciliary expenditures, home care treatment expenses, and AYUSH therapy incurred by the insured in the event of a positive Covid-19 disease test.
Importance of Corona Kavach Policy
The globe witnessed unprecedented occurrences in 2020 as a result of the Coronavirus sickness, or COVID-19. It has caused individuals to remain confined to their homes and has disrupted commercial activities, impacting the global economy. Furthermore, health professionals claim that people, particularly those in the vulnerable category, are more exposed to the disease's hazards and complications. Taking precautionary precautions is the best way to ensure a healthier future in these times. It also entails preparing for any medical emergency and taking precautions to protect your funds by purchasing a Corona mediclaim policy.
The pandemic's spread has had an influence on economic activity. When there is a risk of financial difficulties, dealing with a medical emergency without a safety net is difficult. Preparation and the correct investment will keep your anxieties at bay. So, pick coronavirus health insurance in India to protect your loved ones' health. Choosing this coverage is a simple process because you may select your insurance and pay the payment online without leaving your house.
What's Covered Under Corona Kavach Health Insurance?
Covid Hospitalisation Expense Cover: This is an indemnity-based coverage that covers hospitalisation fees incurred as a result of coronavirus therapy.
Ambulance Cover: The costs of a road ambulance while transporting a patient to a hospital are covered up to Rs 2,000.
Hospital Cash Benefit: This policy provides a daily cash benefit of up to 0.5 percent of the sum insured as Hospital Cash Benefit for a specified number of days as specified in the policy agreement.
Home Treatment Coverage: Depending on the patient's health, the coverage also covers treatment received at home for 14 days. If the patient receives coronavirus treatment at home, home care treatment is covered.
Pre-Hospitalisation Coverage: For a period of 15 days, this policy covers treatment expenses incurred prior to hospitalisation, such as consultation fees, tests, and check-ups.
AYUSH Treatment Cover: Corona Kavach policy covers AYUSH treatment charges as well, including Ayurveda, Unani, Sidha, Homeopathy treatment. However, the treatment must be obtained from a licenced hospital.
No Deductible: The sum insured might range between Rs 50,000 and Rs 500,000. However, there are no deductibles.
ICU Expense Coverage: COVID patients are frequently hospitalised to the ICU. Expenses are unquestionably on the high side. No need to worry, the policy will cover it as well.
No Cap on Room Rent: Some insurers do not impose a cap on room rent while hospitalised if you choose a single private room.
There are difficulties in life, and one of them is an illness. As a result, having mediclaim coverage that covers your hospital expenditures will keep you financially secure during difficult times.
To know more about Is Coronavirus treatment covered in Care- Health Insurance for the family, you can visit our website http://www.jayantharde.com or contact our representative at +91 712 2282029 or meet us at 51, Gurukripa, Old Sneha Nagar, Wardha Road, Nagpur – 440015.