Covid-19 Cover (36-50 Years)

What is the Covid-19 Cover (36-50 years)?

The last couple of years, plagued by Covid-19, have proven quite trying and challenging for many families. The pandemic has also considerably increased the expenses that you may incur on the treatment of the virus, including necessary hospitalisation. Group Assure Covid-19 Cover policy from Aditya Birla Health Insurance Co. Ltd. covers hospitalisation expenses, on the diagnosis of Covid-19. Under this plan, you can get multiple benefits, with coverage up to Rs. 25,000, all at a basic premium of Rs. 338/year. Let us see what makes this policy a must-have and how you can get it. 

Eligibility criteria

You must meet the below eligibility criteria for the benefits under the plan:

 

• You must be between the age of 36 years and 50 years as on your last birthday.

• You must be an Indian resident.

• You must not already be quarantined when you apply for the purchase of the policy.

• You must not be immunocompromised 90 days immediately preceding the start date of the certificate period.

• You must not have travelled to any country that has been restricted by the Government of India 45 days before the start date of the policy.

Policy Plan Details & Specifications

Here are the specifications of the Covid-19 Cover that you must know:

• Coverage 

You can get up to Rs. 25,000 as a sum insured under the Covid-19 Cover.

• Tenure 

The Covid-19 Cover plan is valid for one year.

What’s not Covered?

Listed below are the expenses and causes for which you will not be covered under the Covid-19 Cover:

1. Pre-existing conditions

If you have any condition that you have declared or not, that exists when you purchase the policy, it will not be covered under the Covid-19 Cover.

2. Covid-19 diagnosis 

If Covid-19 was diagnosed during the initial waiting period, it will not be covered. Moreover, if there is a requirement for quarantine in 15 days from the start date of the policy as per the certificate, the same will be excluded from the Covid-19 Cover.

3. Cohabitation

You cannot claim the benefits under the Covid-19 Cover if you were living with a person(s) who were diagnosed with Covid-19 when you got the policy. 

4. Unauthorised testing centre

If you get the tests done at a diagnostic centre that has not been authorised by the Union Health Ministry of India, the expenses will not be reimbursed under the Covid-19 Cover.

5. Out-of-India diagnosis

If the diagnosis of Covid-19 and the treatment for the same has been utilised outside India, it will not be covered under the Covid-19 Cover.

6. Self-quarantine

If you self-quarantine at your residence, it will not be covered under the Covid-19 Cover.

7. Negative or Inconclusive reports

If you get a negative test report or if you are a person classified as a ‘Patient under investigation (PUI)’ and have inconclusive reports, you will not be extended any claim under the Covid-19 Cover.

 

Apart from this, you must note the other things that are not covered:

 

• Any disease or illness other than Covid-19.

• If you are asymptomatic or have mild or moderate symptoms.
  

How to make a claim?

You can reach out to the team to raise a claim in any of the following ways under this Covid-19 Cover:

• Call

You can call on the toll-free number, 1800-270-7000, to claim the expenses you have incurred on the treatment of Covid-19.

• Email

You can send an email to care.healthinsurance@adityabirlacapital.com mentioning your policy number and other relevant details.

Customer care details

You can always write to us at insuranceconnect@bajajfinservmarkets.in and quickly get all your queries and doubts resolved regarding the Covid-19 Cover policy.