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HDFC ERGO Corona Kavach

Introducing Corona Kavach Policy which covers your COVID-19 healthcare costs so you can step back into life, confidently.


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  • Coverage
  • Sum Insured
  • Eligibility
  • Terms and conditions

COVID Hospitalization Cover
Medical Expenses for Hospitalization during the Policy Period for treatment of COVID including treatment of
any Co-morbidity illness up to the Sum Insured on positive diagnosis of COVID in a Government authorized
diagnostic centre.

Home Care Treatment Expenses
Covers the costs for treatment of COVID availed at home for maximum up to 14 days per incident on positive
diagnosis of COVID in a government authorized diagnostic centre.

AYUSH Treatment
Medical Expenses incurred for inpatient care treatment for Covid under AYUSH system of Medicine on positive
diagnosis of COVID in a government authorized diagnostic centre in case of Hospitalization in Ayush hospital.

Pre & Post Hospitalization
Medical Expenses incurred 15 days before Hospitalization/Home care treatment and 30 dayspost
Hospitalization/Home Care treatment. These Medical expenses are payable following an admissible claim
under the policy.

Hospital Daily Cash (Optional Cover)
If opted, we will pay 0.5% of Sum Insured per day for each 24 hours of continuous Hospitalization for a maximum up
to 15 days during a policy period for treatment of COVID for which a claim under Hospitalization Cover is accepted.

• 50,000 • 1,00,000 • 1,50,000 • 2,00,000 • 2,50,000
• 3,00,000 • 3,50,000 • 4,00,000 • 4,50,000 • 5,00,000
(Available on both Individual and Floater Sum Inured basis)

18 years up to 65 years covering;
I. Spouse. ii. Parents and Parents-in-law.
iii. Dependent Children (i.e. natural or legally adopted) from day 1 of age to 25 years.
For floater Sum Insured, financially independent children above 18 years shall be covered
in separate Policy.

Major exclusions in the policy

  • Admission primarily for investigation & evaluation
  • Admission primarily for rest Cure, rehabilitation and respite care
  • Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date
  • Day Care treatment and OPD treatment 

Waiting period  
Expenses related to the treatment of Covid within 15 days from the policy commencement date shall be excluded 

Payment basis
The Base Cover is on indemnity basis and optional cover is on Benefit Basis.  

The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts fraud by the Insured Person by giving 7 days’ written notice.

HDFC Ergo Corona Kavach Policy

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. The Federal Bank Limited (Federal Bank Ltd, Federal Towers, Aluva, Kerala, India – 683101.) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No.CA0227. UIN: Corona Kavach Policy, HDFC ERGO: HDFHLIP21078V012021. UID: 6423.