Corona Kavach health insurance: Buying a new health insurance cover has become tough following the mass spread of Covid19 in the past few months. Insurance companies were apprehensive to offer a health insurance policy to individuals showing even minor flu-like symptoms. To tackle the crisis, IRDA has designed a standard COVID specific product called ‘Corona Kavach’. This indemnity based Individual COVID Standard Health Policy will address the basic health insurance needs of insuring the public with common policy wordings across the industry.


All general and standalone health insurers will offer standard health policy for coronavirus disease (Covid-19), the Corona Kavach Policy, from Friday.


The Insurance Regulatory Development Authority of India (IRDAI) has made it mandatory for general and health insurers to provide the reimbursement-based standard Covid-19 product and the benefit-based product as optional.


The policy will also cover any co-morbid condition triggered due to Covid-19 during the period of hospitalization.


The policy shall also cover pre-hospitalization expenses for 15 days and post-hospitalization expenses of 30 days


Home care treatment expenses: The policy will cover the cost of treatment incurred by the insured person on availing treatment at home for COVID on positive diagnosis up to 14 days per incident, which in the normal course would require care and treatment at a hospital but is actually taken while confined at home.


Sub-limits: The policy will allow home care treatment for a maximum of up to 14 days per incident.


Ambulance charges worth 2000 per hospitalization will be covered.


Optional cover of Hospital Daily Cash will be 0.5% of sum insured per day subject to a maximum of 15 days in a policy period for every insured member.


Policy term: The policy will be available for three and half months (3 ½ months), six and half months (6 ½ months), nine and half months (9 ½ months) including the waiting period.


Eligibility: Corona Kavach policy can be availed by persons between the age of 18 to 65 years. This policy can be availed for self, spouse, parents, parents-in-law, and dependent children up to 25 years of age.


Waiting period: There is a waiting period of 15 days before the policy cover comes into effect.


Premium: The policy will allow the only single mode of premium payment.

For the purpose of Corona Kavach policy, any set-up designated by the government as a hospital for the treatment of COVID shall also be considered as a hospital.

Where to buy?

You can buy Corona Kavach Policy from any of the 30 insurance companies listed below:


Acko General Insurance

Aditya Birla Health Insurance

Bajaj Allianz General Insurance

Bharti AXA General Insurance

Cholamandalam MS General Insurance

Edelweiss General Insurance

Future Generali India Insurance

Go Digit General Insurance

HDFC ERGO General Insurance

HDFC ERGO Health Insurance

ICICI Lombard General Insurance

IFFCO TOKIO General Insurance

Kotak Mahindra General Insurance

Liberty General Insurance

Magma HDI General Insurance

ManipalCigna Health Insurance

Max Bupa Health Insurance

Navi General Insurance

National Insurance

Raheja QBE General Insurance

Reliance General Insurance

Religare Health Insurance

Royal Sundaram General Insurance

SBI General Insurance

Star Health & Allied Insurance

Tata AIG General Insurance

The New India Assurance

The Oriental Insurance

United India Insurance

Universal Sompo General Insurance