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Corona Kavach Insurance Policy कोरोना कवच बीमा पालिसी
कोरोना वायरस संक्रमण के बढ़ते प्रकोप को देखते हुए न्यू इंडिया इंश्योरेंस कंपनी द्वारा कोरोना कवच बीमा पालिसी को 10 जुलाई 2020 से जारी किया गया है। इस बीमा योजना को सभी स्वास्थ्य बीमा करने वाली कंपनी द्वारा पेश किया जा रहा है। कोरोना कवच बिमा पालिसी को इंश्योरेंस रेगुलेटरी एंड डेवलपमेंट अथॉरिटी (IRDA) द्वारा ग्रुप बीमा पालिसी के रूप में भी लॉन्च करने की अनुमति दी गयी है। ग्रुप बीमा पालिसी की सुविधा उपलब्ध होने से निजी एवं सार्वजानिक क्षेत्र की कंपनियां अपने कर्मचारियों को स्वास्थ्य बीमा का लाभ प्रदान कर सकेंगी। ग्रुप टर्म इंश्योरेंस पालिसी की सुविधा उपलब्ध होने के कारण कोरोना कवच बीमा पालिसी स्वास्थ्य कर्मियों, डॉक्टर्स, नर्स आदि के लिए सुरक्षा कवच का काम करने में सहयक साबित होगी।आइये जाने कोरोना कवच स्वास्थ्य बीमा पालिसी से सम्बन्धित पूरी जानकारी।
Corona Kavach Policy kya hai कोरोना कवच पालिसी क्या है
कोरोना कवच पालिसी एक स्वास्थ्य बीमा पालिसी है। इस पालिसी को सरकारी क्षेत्र की न्यू इंडिया बीमा कंपनी द्वारा लांच किया गया है। इस बीमा योजना का पूरा खर्च राष्ट्रिय आपदा प्रतिक्रिया कोष द्वारा वहन किया जाएगा। केंद्र सरकार द्वारा स्वास्थ्यकर्मियों की कोरोना वायरस संक्रमण से सुरक्षा को ध्यान में रखते हुए कोरोना कवच पालिसी को जारी किया गया है। इस पालिसी के अंतर्गत स्वास्थ्य कर्मियों के लिए बीमा कवर का विशेष पॅकेज उपलब्ध है। पालिसी में इंडिविजुअल और ग्रुप बीमा का आप्शन उपलब्ध है।
Corona Kavach Policy Features कोरोना कवच पालिसी की विशेषताएँ
- इस पालिसी में बीमा कवर की अवधि 3.5 , 6.5 और 9.5 महीने तक निर्धारित की गयी है। इसमें बीमा की राशि न्यूतम 50 हज़ार और अधिकतम 5 लाख राखी गयी है।
- बीमा पालिसी को 18 वर्ष से 65 वर्ष तक के व्यक्ति खरीद सकते हैं। इसमें परिवार के सदस्यों को भी शामिल किया जा सकता है।
- फैमली कवर पालिसी के अंतर्गत माता -पिता और 25 वर्ष तक के डिपेंडेंट बच्चे को शामिल किया जा सकता है।
- इस पालिसी के अंतर्गत आयुर्वेद चिकित्सा पद्धति से इलाज किये जाने का खर्चा भी कवर किया जाएगा। किन्तु इलाज में डॉक्टर का शामिल होना आवश्यक है।
- पालिसी में अस्पताल डेली कैश कवर को ऐड करने का विकल्प मौजूद है। इस विकल्प के आधार पर बीमा कंपनी लगातार 24 घंटे भर्ती होने के हिसाब से प्रतिदिन के बीमा राशि का 0.5 % खर्च देती है। यह सुविधा अधिकतम 15 दिनों प्राप्त होती है।
- कोरोना संक्रमित होने पर बीमा पालिसी में ब्लड टेस्ट, पीपीई किट, डॉक्टर के परामर्श का फीस, नर्सिंग चार्ज, बेड चार्ज, आईसीयू का चार्ज कवर किया जाता है।
- कोरोना संक्रमित होने पर अस्पताल में भर्ती होने से 15 दिन पहले तक के डॉक्टर के परामर्श फीस, चेक अप और टेस्ट करवाने का शुल्क बीमा में कवर होता है।
- कोरोना संक्रमित होने पर अस्पताल में भर्ती होने के 15 दिन पहले और अस्पताल से डिस्चार्ज होने के 30 दिन बाद तक का मेडिकल खर्च कवर होता है।
- अस्पताल तक जाने और आने का एम्बुलेंस चार्जेस भी कवर किया जाता है।
- कोरोना वायरस संक्रमण का उपचार घर पर लेने की दशा 14 दिन तक के हेल्थ मोनिटरिंग कर रहे डॉक्टर की फीस और दवाइयों का खर्च बीमा पालिसी में कवर किया जाता है।
कोरोना कवच बीमा पालिसी के जानकारी के लिए लिंक पर क्लिक करिए।
अधिक जानकारी के लिए विडियो देखिये For more information watch video below:
अन्य योजनाये पढ़िए हिंदी में :
प्रधानमंत्री मातृत्व वंदना योजना आवेदन
उत्तर प्रदेश कृषि यंत्रों पर सब्सिडी योजना 2020-21
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