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Forget the tension of expensive treatment among Omicron Corona Kavach Health Insurance Policy

Photo:AP

Forget the tension of expensive treatment among Omicron, Corona Kavach Health Insurance Policy is of great use

Highlights

  • Corona Kavach product is available with almost all insurance companies.
  • The term of insurance can be 3 and a half, 6 and a half and 9 and a half months
  • You can take advantage of the policy after 15 days

The Omicron variant of Carona has spread to 119 countries of the world. In India too, its cases are increasing rapidly. The knock of Omicron has brought back bitter memories of the Corona pandemic in people’s hearts. Past experiences show that due to the havoc of Corona’s delta variant, people not only lost their loved ones, but their lifetime earnings were also lost due to expensive treatment.

Health insurance can reduce this problem to a great extent. Your health insurance can act as a shield against Omicron. In such a situation, it is important that you update your health insurance before taking Omicron’s formidable form. Most of the insurance companies are providing the facility of corona cover. If you have not got this type of health insurance yet, then get health insurance covering Corona and Omicron today.

‘Corona Kavach Policy’ is of great use

The ‘Corona Kavach’ policy can be very beneficial in the midst of increasing risk of Corona’s new variant ‘Omicron’. This policy has been launched under the directions of insurance regulator IRDA. Almost all insurance companies have the Corona Kavach product. Corona Kavach is a short term policy. Many times your health policy does not cover the expenses related to corona. In this case, you can buy it with your existing health policy. If there is corona in this, free treatment of up to Rs 5 lakh will be available.

3.5 to 9.5 months cover

The term of insurance can be 3 and a half, 6 and a half and 9 and a half months. In this, the premium of the cover will be 500 to 6 thousand rupees (GST is not included). Anyone in the age group of 18 to 65 years can take this policy. This policy is not renewable, you have to take the policy again after the end of the term. The special thing is that the waiting period of this policy is 15 days. That is, you can take advantage of it after 15 days of taking the policy.

cover up to 5 lakhs

The sum insured for Corona Kavach policy is a minimum of Rs 50,000 and a maximum of Rs 5 lakh (in multiples of Rs 50,000). That is, you can take an insurance cover of at least 50 thousand and maximum up to 5 lakh.

The cost of PPE kit is also covered

This policy covers all the expenses related to corona, such as bed charges, nursing charges, blood tests, PPE kits, oxygen, ICU and doctor’s consultation fees. The cost of doctor consultation, check up and diagnosis is covered before hospitalization. Such expenses are covered up to 15 days prior to hospitalization. In this, medical expenses are available up to 30 days after discharge from the hospital. If your corona disease is being treated at home, then it covers the cost of health monitoring and medicines for up to 14 days.

Ayurvedic treatment included

Under this policy, cover will also be available on Ayurveda and related treatment expenses. The cost of transfer from home to hospital and from hospital to home in ambulance is also covered.

keep this in mind

The biggest difference between Corona Kavach policy and general insurance policy is that Corona Kavach only covers diseases caused by Corona. Whereas other diseases apart from corona are also covered in the general insurance policy. In such a situation, Corona Kavach cannot be an option for your health insurance policy, yes it can definitely strengthen your protection.

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