The policy provides lump-sum benefit of 21, 000/- and 42,000 for the person contracted and is diagnosed with Novel Coronavirus (nCoV) (COVID-19) requiring Hospitalization.


  • Payment will be made only on Hospitalisation and report of Positive diagnosis for Novel Corona virus (nCoV) (COVID-19) from Government Authorised Centre.
  • Insurance under this policy shall cease upon payment of lump-sum.

Sum Insured Options : 21,000/- and 42,000/- on Individual basis.

Waiting Period : 16 days


The company shall not be liable to make any payment under this policy:-

  • If there is no inpatient hospitalisation irrespective of whether quarantined or not.
  • For Any Illness, sickness or disease other than Novel Coronavirus (nCoV) (COVID-19).
  • Any claim with respect to Novel Coronavirus (COVID -19) contracted or manifested or the onset of diseases is prior to Commencement date of this policy or during the waiting period.

Pre-Acceptance Medical Screening: No pre-acceptance medical screening


Policy: Only one policy is allowed for one person

  • Persons between 18 years to 65 years can take this insurance.
  • Policy is issued on Individual sum insured basis only.
  • Dependent Children can be covered from 3 months to 25 years along with any one of the parent under this policy.
cashless health insurance

General Terms

Tax Benefit: Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period:

At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :

If the Insured has not made any claim during the free look period, the Insured shall be entitled to –

  • A refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges
  • or

  • Where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover
  • or

  • Where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period.

Free look period shall not be applicable at the time of renewal