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Zuno Corona Kavach

Corona Kavach is a floater health plan designed to cover hospitalizati ...Read More

Up to 1Cr.
Sum insured
1
No. of plans
9+
Pan India presence
98.54%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 10,000+ hospitals
📊 1.97 solvency ratio
✅ 98.54% claim settlement

About Zuno Corona Kavach

A quick read on what this ZUNO Health Insurance plan covers and why it might be a fit for you.

Corona Kavach is a floater health insurance plan designed to cover hospitalization expenses related to COVID-19. It is available for individuals and families. Under the Zuno Corona Kavach policy, you can cover your spouse, dependent children, and parents or parents-in-law. The COVID-19 health plan will bear your hospitalization expenses for 3.5/6.5/9.5 months. The age criteria for Zuno Corona Kavach Health policy is 18 years to 65 years. The sum insured available is between INR 50,000 to 5 Lakhs.

Zuno Corona Kavach health policy can be combined with the Hospital Daily Cash add-on offered by Zuno Health Insurance. The add-on provides 0.5% of your Sum Insured daily for every 24 hours of continuous hospitalization, for a maximum of 15 days.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹500 Cr, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
3.5/6.5/9.5 Months

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • AYUSH Cover
  • Pre Hospitalization Cover
  • Ambulance Cover
  • COVID-19 Cover

Cons

  • Obesity treatments
  • HIV/AIDS
  • Adventure sports
  • Illegal activities

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Zuno Corona Kavach Plan Benefits

  • Family coverage

    An affordable health plan offering family coverage for your immediate family members. Zuno Corona Kavach is available as an individual and family floater covering your spouse, kids, and parents/parents-in-law.

  • Discounts

    Zuno Corona Kavach offers various discounts. A 5% discount on your premiums if you are covering 2 or more than 2 family members. Other discounts include 15% on total premiums for online purchases, a 5% discount on total premiums if you are a healthcare worker, and a 2.5% discount on total premiums if you are a member of the police force.

  • Add-ons

    The Zuno Corona Kavach health policy can be bought with the Hospital Daily Cash add-on. This add-on offers 0.5% of your sum insured every day for every 24 hours of hospitalization for a maximum of 15 days.

  • No pre-policy check-up

    Corona Kavach health policy does not require you to undergo any pre-policy medical checkup if you are 60 years old or below.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Zuno Corona Kavach Health Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 years Max entry age: 65 years
  • Sum insured: 50k to 1 L
  • Waiting Period: 30 Days

Other features & benefits

Conclusion

To protect yourself and your family members against COVID-19 hospitalization and medical care expenses, Zuno has launched its Corona Kavach health plan. A versatile plan offering AYUSH cover, hospitalization cover, and more. To know more about health insurance connect with our insurance experts for a 30-minute personalized consultation.

Zuno Corona Kavach: FAQs

The 5 most-asked questions about Zuno Corona Kavach, answered.

The minimum sum insured available is INR 50,000 under the plan.
The age criteria for Corona Kavach health policy is 18 to 65 years.
The Zuno Corona Kavach health plan allows you to cover yourself individually or your family members, including your spouse, dependent children, and dependent parents/parents-in-law.
Yes, you are eligible for a family discount of 5% on your premiums if you are covering 2 or more than 2 family members. Other discounts include 15% on total premiums for online purchases, a 5% discount on total premiums if you are a healthcare worker, and a 2.5% discount on total premiums if you are a member of the police force.
You can buy Zuno Corona Kavach for 3.5/6.5/ or 9.5 months.

Conclusion

Corona Kavach is a short term covid specific plan offering basic protection, but not a replacement f

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 14 Feb 2025 · Originally published: 14 Feb 2025

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