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COVID-19 second wave has started in India resulting in the increasing number of cases and casualties are multiplying by the minute. Insurance Regulatory and Development Authority in India (IRDAI) has issued circular directing insurance providers to come up with insurance policies offering protective coverage from the coronavirus disease to the insured.

Corona Kavach is one such health insurance indemnity policy that provides COVID-19 treatment coverage on one-time payment for up to 9.5 months.

Highlights of Corona Kavach Policy

ParticularsPolicy Coverage/Particulars


Individual /Family-Floater

Sum Insured

Rs. 50000 – Rs. 5 lakhs

Tenure (months)


Eligibility (years)

18-65 years

Waiting Period

15 days from the date of policy coming into effect


One time payment


Based on hospitalisation


  • Covers hospitalization and all treatments related to Covid-19
  • Indemnity cover provided between Rs.50,000 - Rs. 5 Lakhs
  • One-time payment
  • Available on an individual as well as family-floater plan
  • 15 day waiting period for policy processing


Treatment Expenses

Covers all hospitalization and treatment expense related to the treatment of coronavirus. Cashless treatment avail for all bill settlements enabling patient’s complete attention and rest instead of tedious reimbursement insurance procedures. In the case of home treatment, all treatment charges for 14 days will be covered.

Pre and Post Treatment

15 days of pre-hospitalization expenses and 30 days post-hospitalization covered under the policy.

Ambulance Expenses

In case, the insured has taken ambulance service, then Rs.2000 is given as a reimbursement for ambulance charges cover per hospital visit under the policy.


If the patient has to take any extra treatment for health issues that aggregate the effect of coronavirus in the body, the policy covers treatment for such expenses also.


Due to the highly contagious nature of the coronavirus, there are increasing chances of family members getting equally infected.  The family floater plan has been provided under this policy which gives a 10% discount for 1st family member, 20% for second, 30% for third, and 40% for every member after that.

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