Corona Kavach Vs. Corona Rakshak: Which Insurance Is Best For You ?

The breakout of the Covid-19 is affecting the world brutally where you must take necessary preparation for the cure; otherwise, you may have to face inconvenient situations if you get affected by the virus. One of the best facilities that the insurance companies are offering is the two policies that will cover almost all the hospitals and medical centers in Kolkata. However, you must take the necessary information on Corona Kavach and Corona Rakshak to avail of the relevant insurance for your benefit.

There are few differences between Corona Kavach and Corona Rakshak regarding their expenses, coverage, payment, and various other factors. Therefore, you must take note of the detailed information for your benefit. However, if you are interested to know the differences between these two policies, you can go through the blog.

General Differences Between Corona Kavach And Corona Rakshak

Before availing of any of the policies, it is crucial for you to know the general differences between Corona Kavach and Corona Rakshak. Therefore, the basic factors that create a difference between Corona Kavach and Corona Rakshak are:

• Total Expense

Expense is one of the necessary aspects that you need to know before availing of any policies. Corona Kavach is a bit inexpensive than the Corona Rakshak, where you need to spend around 50,000 rupees- 2.5 lakhs for the Corona Kavach. For Corona Rakshak, the expense of the policy varies from 50,000 rupees to 5 lakhs. This is the difference in the expense that you should consider before availing of a policy.

• Policy Coverage

Coverage is one of the basic factors you need to check before you avail of a policy. For example, in Corona Kavach, the coverage is a floater that covers the people coming under a family, whereas the corona Rakshak is for individuals. Therefore, you must check what kind of policy you need in this pandemic situation before you avail of one.

• Payment Process

The payment process is a vital factor that you need to consider knowing before you avail any of the policies that cover the treatment for Coronavirus. For example, Corona Kavach is a policy that covers the expenses as per hospital expenses; whereas, you will get a specific lump sum if you avail of Corona Rakshak. Thus, you must consider availing of the policy that will be convenient for you.

• Type Of Cover

Corona Kavach is an indemnity-based cover that covers the money of the damages; whereas, Corona Rakshak is a benefit-based cover where you will get the money even if you do not need to spend it. Therefore, you must consider availing of the policy that is beneficial for you.
These are the basic differences between these two policies. Mostly all the other factors, including the tenure, entry age, and waiting period for claiming the policies, are the same for both. However, you must consider doctor consultation in Kolkata to know which policy can help you better in the future.

Other Important Differences Between Corona Kavach And Corona Rakshak

Corona Kavach and Corona Rakshak are two essential insurance policies that you need to consider for protection. These two policies have different ways through which you can get benefited if you get affected by the virus. However, there are some vital differences that you should consider knowing before you avail of a policy, that is:

• When Can You Claim The Insurance?

One of the basic factors you need to consider before availing of these policies is the appropriate time from when you can claim for the insurance. If you avail of the Corona Kavach policy, you can claim the insurance after 24 hours of staying in the hospital. The insurance company will cover the charges for the period of time you stay admitted to the hospital.
In the Corona Rakshak policy, the time for claiming the policy starts after 72 hours. However, most of the other factors to claim the policies are the same. However, the time of claiming the policy is a vital aspect you need to consider before availing of the insurances.

• Nature Of The Policies

The nature of the policies is a recommendable factor that can create differences between them. For example, Corona Kavach is a type of policy that generally covers all the mandatory charges along with the additional expenses. It is one of the policies that will cover the hospital bill and also give you a certain amount as benefit cover.

Corona Rakshak is a benefit-based plan where you will get a certain amount of money when you claim it. However, in this policy, the insurer will not see if your expenses exceed the claimed amount. Therefore, you need to consider taking detailed information on the policies before you avail of one for your benefit. Furthermore, these are the basic nature of these two policies that you need to consider before availing.

What Should You Do?

The situation after the breakout of the pandemic is getting worse day by day. And, it has become more uncertain after the second wave started affecting. Therefore, it is recommended that you consider availing one of these policies for your benefit as both policies have different ways to cover your expenses.
However, it is recommended that you must consider buying the policies with a higher amount than the general health policies you have. This is because you do not know how much the situation can worsen in the upcoming days; thus, you should stay prepared. Furthermore, you must consider buying one of the policies for the expenses of the treatment of Coronavirus.

To Conclude With

Due to the breakout of the pandemic, everyone is in shock by the way people are losing their close one to death. Medical services, including hospitals and 24-hours ambulance service in Kolkata, is facing inconvenient situation due to lack of product when the demand is at the peak. Therefore, it is vital for you to consider buying one of the insurance policies for your benefit. Although, you should consult with the doctors and the health insurance companies for your benefit.

Furthermore, for more relevant information, you must bank on a business listing. There are many business listings in India, including Haarway, that offer services around your locality. You can consider taking information on the difference between the Corona Kavach and Corona Rakshak from these business listings as they have efficient members for your help. You can also consider the search engines to find relevant services, including hospitals, medical stores, doctors, and ambulance, as the search engines are listed with authentic information.

Summary

You must consider buying one of the insurance policies for your benefit; however, you should consider this blog to know the difference between the Corona Kavach and Corona Rakshak.