All hospitalisation expenses upto ₹5L for in-patient
Pre & Post Hospitalisation
Covers consultation, investigation & medicine expenses 30 days before and 60 days after
Zero Waiting Period
Cover starts on day 1, with no waiting period*
PPE kits covered with a specified sub-limit
No sub limit on ICU expenses
No sub-limit on room rent
Cover available for spouse, parents, and children
Cashless claims available at network hospitals
Covers home treatment with a sub-limit of 10% of SI*
What's not covered?
Your policy comes with certain exclusions that are not covered.
Hospital expenses unrelated to COVID-19
Hospitalisation expenses not in lieu of treatment for COVID-19 and all the strains will not be covered.
Treatments for patients suspected of infection
Hospitalisation expenses for patients only under investigation with inconclusive medical reports will not be covered.
Non government approved test centers
Test report for COVID-19 conducted from centres other than Govt/ICMR authorised test Centre in India will not be covered.
In case of claim with any co-morbid condition, claim will become eligible however the expenses related to co-morbid condition will be deducted.
Hospitalisation for observation and evaluation will not be covered.
Lack of active treatment
Hospitalization with absence of an active line of treatment will not be covered.
Current & past COVID patients
Claims made by any member who had contracted Covid-19 before the start of the policy will be subject to a case-to-case approval from the insurer at the time of claim.
Quarantine facility costs
Quarantine and isolation in a private facility like hotels, halls, guest houses which are converted into COVID centers will not be covered.
COVID vaccine & related illness
COVID-19 Vaccinations and any hospitalisation due to complication of vaccination will not be covered under this policy.
Frequently Asked Questions
If your company is registered with MCA, and has 7 or more employees, then it is eligible for group Covid Insurance. However, hotels, hospitals, media industry related personnel, lawyers, and politicians are not allowed.
All employees and their family members (including spouse, kids) can be covered. If you decide to cover family members, you need to make sure family members of all your employees are covered and that there is no selection in coverage. Members >60yrs are not covered.
Coverage is applicable only if the insured member(s) is/are diagnosed with and hospitalised for COVID-19 or any mutated COVID Strains. However, homecare treatments are covered under the premium policy only.
Standard Plan has a waiting period of 15 days. You can take the Premium Plan to waive off the mandatory waiting period of 15 days.
Positive test report for Coronavirus disease (COVID-19) conducted by govt or ICMR authorised test centre in India is mandatory in the event of a claim. Only RT-PCR or Rapid Antigen Test results will be accepted and charges for COVID tests will be paid as per government approved rates.
Quarantine and isolation in a private facility like hotels, halls, guest houses which are converted into COVID center will not be covered.
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