Difference Between Corona Kavach and Arogya Sanjeevani Policy

While the Corona Kavach covers the treatment of Covid-19, the Arogya Sanjeevani policy is a standard all-in-one health insurance policy that covers all types of hospitalization including Covid-19 treatment. Additionally, the Corona Kavach is a short-term health plan, while the Arogya Sanjeevani offers a minimum 1-year cover. Below are the main differences between IRDAI approved Arogya Sanjeevani and Corona Kavach policy.

Corona Kavach vs Arogya Sanjeevani Policy:

While buying health insurance policies, it is essential to understand your health insurance needs. For example, suppose you already own a comprehensive health insurance policy or a group health cover and wish to buy an additional layer of protection due to the rising Covid-19 treatment costs. In that case, Corona Kavach may be the right choice for you. 

However, suppose you are buying a health policy for the first time and wish to buy a more Comprehensive cover covering Covid-19 treatment costs and other medical expenses. In that case, Arogya Sanjeevani is a good buy for you.

Both the policies cover Covid-19 treatment and are IRDAI approved. However, they vary in terms of coverage, premium, and benefits. The below table highlights the difference between the two policies.

FAQs:

How do I pay the premium amount for the Corona policies and Standard Health Insurance policies?

Since Covid-19 insurance policies are short-term, i.e., 3.5 months, 6.5 months, and 9.5 months - hence, you pay the premium amount only once. Therefore, there is no renewability option here. In the case of Standard Health Insurance policies, you can pay the premium amount on a monthly, quarterly, half-yearly, or yearly basis, depending on the plan and the insurance company. Usually, the duration of standard policies is for 1-year, and you need to renew it each year to get the benefits.

Also, check: Difference Between Corona Kavach Policy and Corona Rakshak