Corona Rakshak Policy, Kotak Mahindra General Insurance Company Ltd.

Corona Rakshak Policy is a standard individual health benefit policy which provides a lumpsum benefit on diagnosis and hospitalisation due to Covid-19.



Covid Cover

Lump sum benefit equal to 100% of the Sum Insured shall be payable on positive diagnosis of COVID, requiring hospitalization for a minimum continuous period of 72 hours. The positive diagnosis of COVID shall be from a government authorized diagnostic centre.

On payment of 100% of sum insured the policy shall be terminated.


Sum Insured

  • The minimum sum insured is INR 50,000 and maximum sum insured is INR 2.5 Lacs (in multiples of Rs 50,000)


Policy Period

Three and Half Months (3 ½ months), Six and Half Months (6 ½ months), Nine and Half Months (9 ½ months)



Policy can be availed by persons between the age of 18 years and 65 years. Proposer with higher age can obtain policy for adult members of the family, without covering self.

Waiting Period/Exclusions

First Fifteen Days Waiting Period

The Company shall not be liable for any claim arising under the policy within 15 days from the first policy commencement date with Us


Major exclusions in the policy

Following is a partial list of the policy exclusions. Please refer to the policy document for the complete list of exclusions:

  • Admission primarily for investigation & evaluation
  • Any diagnosis which is not related and not incidental to COVID is not covered in this Policy
  • Testing done at a Diagnostic center which is not authorized by the Government shall not be recognized under this Policy



The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts fraud by the Insured Person by giving 7 days’ written notice. There would be no refund of premium on cancellation on grounds of mis-representation, non-disclosure of material facts or fraud.



Lifelong renewability, migration and portability are not applicable.

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