What are the other important exclusions in the policy that I should be aware of?

Other Major Exclusions are as follows:

  • Hospitalisation expenses not in lieu of treatment for Coronavirus disease (COVID-19) will not be covered.
  • Insured members already treated for or quarantined for Coronavirus disease (COVID-19) before the policy issuance will not be
  • Insured Member(s) is/are not suffering from fever or suffering /suffered from diabetes, hypertension, disease related to heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing medication or the insured members(s) is/are due for any medical treatment, at the time of buying this policy
  • Home hospitalisation (Domiciliary hospitalisation) expenses will not be
  • Hospitalisation expenses for patients only under investigation with inconclusive medical report

will not be covered.

Test report for Coronavirus disease (COVID-19) conducted from centres other than ICMR Authorized test Centre in India from National Institute of Virology, Pune will not be considered. Link of Authorised Test Centres mentioned below: https://icmr.nic.in/sites/default/files/upload_documents/Testing_sites_for_COVID19.pdf

If I have a recent travel history to a foreign country, will I be eligible for this cover?

Yes. You will be eligible provided you not have travelled to the countries listed in the “Travel Advisory on Home Isolation/Quarantine and restricted travel” issued by Ministry of Health & FW, Government of India as applicable on date of policy purchase, since 60 days prior to the policy inception date and any time after the policy inception date.

Travel advisories can be found here: https://www.mohfw.gov.in

What am I covered for under this policy?

This cover shall cover you for the Hospitalization costs incurred in case you are tested positive for Corona Virus Disease. (COVID-19).

The benefits that can be availed under this policy are as follows:

 

Feature Coverage Details
Pre | Post hospitalization days 30 Days | 60 Days
Room rent Restriction No restriction
ICU Limit No restriction
Road Ambulance 1% of the SI
Second Medical Opinion Covered