A good plan is not always the most expensive one. Find out which plan suits your team best by looking at the table below.
Giving some peace of mind to your employees during these uncertain times should not break your bank. Choose between our standard and premium plans .
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.
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.
Standard: 15 day waiting period + no home healthcare
Premium: Day 1 cover + home healthcare up to 10% of sum insured.
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.
Insured member(s) should not suffer from any respiratory related symptoms like severe cough, respiratory distress, and breathlessness continuously from the last 2 weeks at the time of buying this policy.
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.
Yes, for cashless COVID claims, the admissible claim amount shall be subject to the hospital tariff.
Ancillary and hospital disinfection charges like biomedical waste disinfection/sanitisation/ fumigation and other wearables are not payable.
If an insured member suffers from COVID during the expiring policy, he/she will be covered in the renewal / rollover policy as well.
Pro-rata refund will not be issued for deletions.