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Worried about the third wave? Here are COVID-19 health plans that can help you

Team AckoFeb 27, 2024

Health insurance is an ideal financial security measure, especially during pandemics such as COVID-19. The first and second waves impacted several lives. Suppose you haven’t taken any precautionary measures till now. In that case, the possibility of the third wave should be considered as a motivation to secure you and your family with Corona specific health insurance plans.

Here are different types of COVID-19 health insurance plans that can help you mitigate high healthcare costs.




Health insurance plans for COVID-19

Amid the possibility of high COVID-19 infection and its repercussions on medical costs, the Insurance Regulatory and Development Authority (IRDAI) has directed Indian insurance companies to design health insurance policies that primarily focus on treating COVID-19. Taking notice of medical costs to treat COVID-19, IRDAI mandated insurers to offer standard plans to minimise the financial impact. At ACKO, we offer three types of COVID-19 health insurance plans.

Arogya Sanjeevani Health Insurance Policy by ACKO

Arogya Sanjeevani plan is a standard health insurance plan that provides financial coverage during unforeseen medical emergencies at an affordable premium. It is most suitable for first-time buyers looking for a plain vanilla health plan. The policy provides standardised benefits approved by the Insurance Regulatory and Development of India (IRDAI).

The benefits and features are standard among all Indian general insurance companies. However, the premium differs based on the insurer’s services and the efficiency of settling claims. ACKO, a digital-first company, focuses on cost-effective policy and hassle-free claims to offer a seamless and user-friendly process.

Coverage of Arogya Sanjeevani Policy by ACKO

Here are the coverage details of our COVID-19 policy.

ACKO Arogya Sanjeevani Policy features

You can avail of the policy with a sum insured amount of up to Rs. 10 lakhs in multiples of Rs. 50,000. You can avail of tax benefits under Section 80D and comes with lifelong renewability. The waiting period to avail of COVID-19 treatment is 30 days from the policy commencement date. You can either buy the family floater or the individual plan.

Corona Kavach COVID-19 health insurance plan

The Corona Kavach policy is a short-term specific health insurance plan for COVID-19. The Corona Kavach plan is a standard indemnity-based health insurance plan. Under this plan, only the medical or hospital bills will get reimbursed of up to a maximum of the sum insured amount mentioned in the terms and conditions.

Coverage of Corona Kavach plan

Here are the coverage details of the plan.

  • Hospitalisation expenses

  • Coverage for ICU expenses

  • Coverage for consumables

  • Pre and post hospitalisation costs

  • Coverage for home care treatment

Features of Corona Kavach health insurance plan

Under this plan, you can avail of a sum insured amount of Rs. 5 lakhs (in multiples of Rs.50,000). Since it is a short-term plan, you can choose from three types of tenures: 3.5 months, 6.5 months and 9.5 months with a one-time payment process and no renewability. It covers consumables such as PPE kits, masks, gloves, etc. You can also avail of tax benefits under Section 80D deduction.

Corona Rakshak COVID-19 health insurance plan

The Corona Rakshak is a standard fixed-benefit COVID-19 health plan. The insurer (ACKO) will pay a lump sum amount (sum insured amount) if you are hospitalised for a minimum of 72 hours upon testing positive for the infection by any government-recognised testing centre.

Coverage of Corona Rakshak health insurance plan

Here are the coverage details of the plan.

  • Room rent

  • Pre-existing/comorbid illnesses

  • Nursing and boarding charges

  • Doctors and surgeons charges

  • Anaesthetists fees

  • ICU charges

  • Lab test, ventilators and oxygen costs

Features of Corona Rakshak health insurance plan

Under the Corona Rakshak plan, the minimum sum insured amount is Rs. 50,000 and a maximum of Rs. 2.5 lakhs (in multiples of Rs. 50,000). Similar to the Corona Kavach plan, this plan is available for 3.5, 6.5 and 9.5 months tenure. Also, you need to pay the premium as a one-time payment. You can avail of tax benefits under Section 80D.

Benefits of buying COVID-19 health insurance from ACKO:

Here are the reasons why you should opt for ACKO’s COVID-19 health insurance plans.

  • Paperless procedures

  • 24*7 support

  • Wide-network of hospitals

Frequently asked questions

Here are some of the common queries about Corona health insurance plans.

How can I raise a claim against my COVID-19 health plan?


You can raise a claim either through the cashless or reimbursement method. Here is the claim process for the three types of Corona insurance plans.

  • Corona Rakshak: You can opt for cashless or reimbursement. The policy will pay 100% of the sum insured amount as a lump sum payment if the policy’s beneficiaries are hospitalised for more than 72 hours.

  • Corona Kavach: There is only a reimbursement claim option. The policy will pay up to the sum insured amount stated in the policy.

  • Arogya Sanjeevani: You can opt for both cashless and reimbursement claims.

What is not covered in COVID-19 health insurance plans?


Here are some of the exclusions under the Corona health insurance plans.

  • Diagnosis of COVID-19 at a non-authorised centre

  • Claims submitted during the waiting period

  • Duration of the hospitalisation

  • Treatment availed outside India

  • Travelled to any countries restricted by the government

  • Medical expenses unrelated to COVID-19 (Corona Kavach and Corona Rakshak)

  • Unprescribed medicines

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.


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