Coronavirus Insurance
for Employees
Cover of up to ₹5,00,000 designed to provide Covid-19 treatments for your employees and their families
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What's covered?
MantraCare’s Covid-19 group policies come with comprehensive benefits
Hospitalisation
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*
Home care
Covers home treatment with a sub-limit of 10% of SI*
ICU
No sub limit on ICU expenses
Normal room
No sub-limit on room rent
Family
Cover available for spouse, and children
Cashless
Cashless claims available at network hospitals
PPE Kits
PPE kits covered with a specified sub-limit
Affordable Premiums
Giving peace of mind to your employees during these uncertain times should not break your bank. Prices are for annual cover and excludes GST.
Sum Insured
- ₹50,000
- ₹1,00,000
- ₹3,00,000
- ₹5,00,000
Standard Plan
- ₹554
- ₹658
- ₹1,956
- ₹2,950
Premium Plan (available for 100+ members)
- ₹864
- ₹1,025
- ₹3,050
- ₹4,602
What's not covered?
Your policy comes with certain exclusions that are not covered.
Hospitalisation expenses not in lieu of treatment for COVID-19 and all the strains will not be covered.
Treatments taken outside India will not be covered.
Hospitalisation expenses for patients only under investigation with inconclusive medical reports will not be covered.
Test report for COVID-19 conducted from centres other than Govt/ICMR authorised test Centre in India will not be covered.
In case of a claim for COVID-19 infection with any co-morbid condition, claim will become eligible however the expenses related to co-morbid condition will be deducted.
E.g., if the person is diabetic, all blood sugar testing, insulin or anti diabetic medications will be disallowed. However the other expenses incurred for the treatment of COVID is payable.
Hospitalisation for observation and evaluation will not be covered.
Hospitalization with absence of an active line of treatment will not be covered.
Claim is not admissible if the insured member is suffering from COVID-19 infection at the time of addition to the policy. 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 actual claim.
Quarantine and isolation in a private facility like hotels, halls, guest houses which are converted into COVID centers will not be covered.
COVID-19 Vaccinations and any hospitalisation due to complication of vaccination will not be covered under this policy.
FAQs
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.
Charges for maximum 1 PPE kit per day is allowed subject to the limit of INR 1500 per day provided that such PPE kit is used by the treating medical staff while the patient is undergoing treatment.
Pro-rata refund will not be issued for deletions.
