While there are many health insurances in the market, Corona-Kavach provides everything needed by anyone to be financially healthy and yet covers maximum risks
 

Who does not want relief from Corona? We are happy to share that a Corona specific health plan is now available which will surely relieve you from financial burden. While there are existing health insurances which sometimes cover the Corona related treatments, Corona-Kavach gives you comprehensive 360-degree coverage.
 

As Covid-19 is a very specific situation, the solution is also very specific. Usually, we do not worry about masks and other equipment costs while taking a health plan but here, that is also a factor to be considered.

Covers all points, from PPE kits to Home quarantine
One of the unique features of this plan is the in-depth coverage. This plan is designed with the current pandemic situation in mind. There are other health insurance plans available but they do not cover PPE kit and other expenses which are part of Covid-19 protocol. Each aspect of the Corona is covered. Here are few details about coverage under Corona-Kavach

• Treatment: Usually normal health care plans will cover only a few treatments, in the Corona-Kavach, treatments from AYUSH are also covered along with all government-approved treatments.
• Home quarantine: Home quarantine expenses are not usually covered in other plans which are covered here. This is a big help.
• Ambulance and ICU: You get a 2000 Rs ambulance charge and ICU treatments are covered in the product.
• Hospitalisation: Pre-hospitalisation to Post hospitalisation cover is available. As an add-on, during hospitalisation, you can opt to get 0.5% of your total coverage amount daily for 15 days.
• Necessary equipment: PPE kit, masks, gloves and other protective equipment are part of the Covid-19 treatments and can not be avoided. Even the charges for ventilators can also be covered, along with oxygen and few other crucial treatments.

Corona-Kavach is designed with this need in mind and covers all the expenses for the same. This is really helpful because PPE kits and gloves are changed frequently and they can be expensive for many people. Addition of these expenses makes Corona-Kavach attractive.

Coverage of additional diseases

As you may know, you may experience pneumonia and a few other symptoms when you are affected by Covid-19. In other health policies, you may or may not be covered for these diseases but in Corona-Kavach you are covered by default. Again, this is a very useful feature of this product. Many of the cases reported for Covid-19 have other pre-existing or newly arising diseases. Based on your conditions before Corona, you can get covers for the pre-existing disease.

For someone with pneumonia (pre-existing condition), this can be a big relief. You don’t have a longer waiting period for Corona-Kavach. It is mostly for 15 days. In other health insurance products, the waiting period for an existing policy is mostly 2 years. This is a big differentiating factor because your claim may get stuck if the waiting period is longer. With Corona-Kavach you may be able to settle your claims quickly.

There are few companies who may charge extra for the pre-existing conditions but in today’s situation, I think it is better to get covered for those conditions. Ultimately it is your choice and as always you can have a detailed discussion with us. We have always believed and acted on the premise that “making people aware of health coverage is our prime motto”.

Points to consider:

• Maximum policy coverage is 5 Lakh for 1 member of the family. You can take an individual plan or a family floater plan.
• Duration of the entire cover is 3.5 months to 9 months.
• Premium is to be paid once, there is no monthly provision.
• Uniform premium, there is no variation for different states in India.
• Online enrollment is mostly not available.

We at FINAGAL strive to help you with making an informed and wise choice related to your health plan. If you want to know more, or if you have any questions, please feel free to contact us!