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New India Health Insurance Corona Kavach's health insurance

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* Name, Email Id & Mobile No. are optional 

New India Corona Kavach's health - highlights

  • Entry age – Day 18 to 65 years.
  • Policy period – 3 1/2 months (105 days), 6 1/2 ( 195 days), 9 1/2 months(285 days).
  • Policy can be taken on either individual or floater basis.
  • Policy triggers on positive diagnosis of COVID 19 as per Govt mandates.

New India Health Insurance Review

New India Assurance Health Insurance
New India Assurance Insurance sum insured
2 lacs − 100 lacs options available
Incurred Claims Ratio *
103.74%
New India Insurance tenure options
1 year
Claims Settlement Ratio **
97.32%
List of network hospitals
3,000+ hospitals
Number of policies issued *
1,683,506
Maximum family floater coverage
Self, Spouse + dependent (children + parent)
Number of lives covered *
87,561,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

New India Corona Kavach's health insurance review

  • Eligibility
  • Benefits
  • Claims
  • Exclusions

Eligibility for New India Corona Kavach's health insurance

  • Entry age –18 to 65 years.
  • Policy can be availed by persons between the age of 18 years and 65years, as Proposer. Proposer with higher age can obtain policy for family, without covering self

Benefits for New India Corona Kavach's health insurance

Name CORONA KAVACH POLICY, The New India Assurance Co Ltd
Product Type Individual/ Floater
Category of Cover Indemnity/Benefit
Sum insured Rs 50,000/- (Fifty Thousand) to 5,00,000/- (Five Lakh) (in the multiples of fiftythousand) On Individual basis – SI shall apply to each individual family member On Floater basis – SI shall apply to the entire family
Policy Period 105 Days, 195 Days and 285 Days including waiting period of 15 days
Eligibility Policy can be availed by persons between the age of 18 years and 65years, as Proposer. Proposer with higher age can obtain policy for family, without covering self.
Policy can be availed for Self and the following family members
  • legally wedded spouse
  • Parents and Parents-in-law
  • Dependent Children (i.e. natural or legally adopted) between the Day 1 to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
Hospitalization Expenses Medical Expenses of Hospitalization for Covid for a minimum period of 24 consecutive hours only shall be admissible
Pre Hospitalization For 15days prior to the date of hospitalization
Post Hospitalization For 30days from the date of discharge from the hospital
Sub-limits Hospital Daily Cash: 0.5% of Sum Insured per day subject to maximum of 15 days in a policy period for every insured member
Home Care Treatment: Maximum up to 14 days per incident.
AYUSH Medical Expenses incurred for Inpatient Care treatment for Covid under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured during each Policy year as specified in the policy schedule.
Home Care Treatment Expenses The Company shall indemnify costs of treatment incurred by the Insured person on availing treatment at home for Covid on Positive diagnosis of Covid in a government authorized diagnostic centre, which in the normal course would require care and treatment at a hospital but is actually taken while confined at home subject to policy terms and conditions.

Claims Procedure for New India Corona Kavach's health insurance

Upon the happening of the covered event, which may give rise to a claim under this policy, notice with full particulars shall be sent to the Company within 15 days from the date of occurrence of the event / diagnosis of COVID. Procedure:
The insured person may submit the necessary documents to TPA(if applicable)/Company within the prescribed time limit as specified hereunder.
Sl No Type of Claim Prescribed Time limit
1. COVID Cover Within thirty days of date of discharge from hospital following positive diagnosis for COVID.

Documents to be submitted for claim:
The claim is to be supported with the following documents and submitted within the prescribed time limit. Covid-19 Cover
  • Copy of Insured Person's passport, if available (All pages)
  • Photo Identity proof of the patient (if insured person does not own a passport) Medical practitioner's prescription advising admission Medical practitioners prescription advising admission
  • Discharge summary including complete medical history of the patient along with other details.
  • Investigation reports including Insured Person's Test Reports from Authorized diagnostic centre for COVID.
  • NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque
  • KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines Legal heir/succession certificate, wherever applicable
  • Any other relevant document required by Company/TPA for assessment of the claim.

Exclusions under the New India Corona Kavach's health insurance

The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of.

FAQs for New India Health Insurance for Covid19

This Policy is designed to give You, the Insured, protection against unforeseen expenses for treatment of Covid either at Hospital or Home following Medical Advice of a duly qualified Medical Practitioner.

Can i cover family members in one New India Health Insurance policy?

Yes. You can cover Your family members in one policy.

The members of the family who could be covered under the Policy are: a) Proposer b) Proposer’s Spouse c) Proposer’s Children d) Proposer’s Parents e) Proposer’s Parents-In Law

This policy offered for 3 ½ months (105 Days), 6 ½ months (195 days) 0r 9 ½ months (285 days). You are free to choose any of the above terms as per your requirement.

The entry age is from 18 to 65. Dependent children from day 1 to 25 years can be covered.

No. This policy is being offered for limited time due to ongoing pandemic and is not renewable.

In that case, will there be proportionate deductions under the New India Health Insurance claims?

No.

How many days of pre hospitalization expenses will be given in case of New India Health Insurance hospitalization?

15 days.

30 days.

Prospectus

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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