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Star Corona Kavach Health Insurance

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Star Health Insurance
Corona Kavach Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio99.10%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Corona Kavach Health Insurance

Star Health Corona Kavach Policy is an indemnity-based medical insurance policy that helps people to overcome financial instability while they recover from COVID-19. Available on individual as well as floater basis, the policy offers protection from hospitalisation expenses arising due to COVID-19 procedures. You can be covered under this policy if you are aged between 18 years and 65 years. You can also include dependent children if they are aged between 1 day and 25 years. The policy offers you a wide range of options between Rs. 50,000 and Rs. 5 lakh that you can use to avail of several coverage benefits such as in-patient hospitalisation expenses, AYUSH treatment expenses, and road ambulance expenses.

Star Health Corona Kavach Policy requires no pre-acceptance medical screening. You can buy this policy for a term of 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days). But, you are required to complete an initial waiting period of 15 days in order to avail coverage benefits under the policy.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospitalisation expenses incurred due to treatment of COVID-19
  • Home care treatment expenses up to 14 days per incident
  • In-patient AYUSH treatment expenses related to COVID-19
  • Road ambulance cover subject to a maximum of Rs. 2,000 per hospitalisation
  • Pre-hospitalisation and post-hospitalisation expenses for up to 15 days and 30 days respectively.

What's Not Included

  • Expenses due to treatment for investigation and evaluation purpose
  • Expenses related to rest cure, rehabilitation, and respite care
  • Expenses incurred on daycare treatment and OPD treatment
  • Any treatment taken outside the geographical boundaries of India
  • Any COVID-19 related claim where the illness was diagnosed before the commencement of the policy.

9625 Star Cashless Network Hospitals in India

Corona Kavach Policy User Reviews

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What users are saying
  • All
  • Information on COVID 19 insura...

    The segment ‘COVID 19 Insurance’ on InsuranceDekho provides the names of the insurers that deliver policies specifically with COVID coverage. This made it easier for me to select Star Health Insurance’s Star Corona Kavach Policy. I bought it without wasting any time.

    U
    By Upama Chakrabarty
    On: Dec 17, 2020
  • Excellent Plan

    Star Health insurance provides the best Corona Rakshak Policy to fight against the deadly virus. I bought this plan from Insurancedekho and the whole process of buying was very easy and smooth. I will definitely renew the plan if needed.

    R
    By Rakshit Arora
    On: Oct 16, 2020

Star Corona Kavach Policy Brochure

  • 2.68 MB
  • PDF Document
  • Jul 14, 2020

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Kavach Policy Health Insurance Plan

  • Is there any optional cover offered under star corona kavach health insurance policy?

    Yes. Star Health Corona Kavach Policy offers an optional cover named Hospital Daily Cash. On opting for this cover, you can avail a cash benefit of 0.5% of the sum insured for every completed day of continuous hospitalisation subject to a maximum of 15 days. The benefit can be availed in every policy period. 

  • Who all can be covered on a floater basis under Star Corona Kavach health insurance policy?

    You can cover self, legally wedded spouse, parents, parents in-law, and dependent children up to 25 years of age on a floater basis under this policy. Note that if the child is above 18 years and is financially independent, then he/she can not be included in the family coverage. 

  • What are the sum insured options available under Star Corona Kavach health insurance policy?

    The sum insured options available under Star Health Corona Kavach Policy are of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh; Rs. 2 lakh; Rs. 2.5 lakh; Rs. 3 lakh; Rs. 3.5 lakh; Rs. 4 lakh; Rs. 4.5 lakh; and Rs. 5 lakh. 

  • What are the benefits offered under home care treatment cover under Star Corona Kavach health insurance policy?

    You can avail of the following benefits under home care benefit of Star Health Corona Kavach Policy:

    • Medicines prescribed in writing
    • Diagnostic tests undergone at home 
    • Consultation charges of the medical practitioner
    • Nursing expenses related to the medical staff
    • Expenses related to pulse oximeter, nebulizer, and oxygen cylinder
  • Can I avail tax benefits on the premium paid for Star Corona Kavach health insurance policy?

    Yes. You can avail tax benefits on the premium paid for Star Health Corona Kavach Policy. The tax deductions are available under Section 80D of the Income Tax Act, 1961.  

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