Amid coronavirus spikes across the country in the last few months, the Insurance Regulatory and Development Authority (IRDA) has designed a standard COVID-19 specific standard health policy insurance plan ‘Corona Kavach’. that will address the basic health insurance needs of the public with common policy wordings across the industry.

This ‘Corona Kavach’ policy will provide hospitalization expenses, such as room and boarding charges, gloves, masks, PPE kits, and similar costs to those between 18 and 65 years of age who can buy this product.


The minimum sum insured under the Corona Kavach Policy will be ₹50,000 and the maximum sum insured will be ₹5 lakh, in the multiples of ₹50,000. It will cover hospitalization expenses on the diagnosis of COVID on an indemnity basis and an optional cover of daily cash on a benefits basis.

Corona Kavach Policy will allow home care treatment for maximum upto 14 days per incident. It also includes Ambulance charges worth ₹2000 per hospitalization will be covered. Optional cover of Hospital Daily Cash will be 0.5% of sum insured per day subject to a maximum of 15 days in a policy period for every insured member.

The policy will be available for three and half months (3 ½ months),six and half months (6 ½ months), nine and half months (9 ½ months) including the waiting period.


Here is a list of 29 Insurers to market Corona Kavach policy:

Acko General Insurance

Aditya Birla Health Insurance

Bajaj Allianz General Insurance

Bharti AXA General Insurance

Cholamandalam MS General Insurance

Edelweiss General Insurance

Future Generali India Insurance

Go Digit General Insurance

HDFC ERGO General Insurance

HDFC ERGO Health Insurance

ICICI Lombard General Insurance

IFFCO TOKIO General Insurance

Kotak Mahindra General Insurance

Liberty General Insurance

Magma HDI General Insurance

ManipalCigna Health Insurance

Max Bupa Health Insurance

Navi General Insurance

National Insurance

Raheja QBE General Insurance

Reliance General Insurance

Religare Health Insurance

Royal Sundaram General Insurance

SBI General Insurance

Star Health & Allied Insurance

Tata AIG General Insurance

The New India Assurance

The Oriental Insurance

United India Insurance

Universal Sompo General Insurance



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