COVID-19 PRODUCTS - Expenses incurred on being tested Positive to COVID-1

established & confirmed from registered ICMR Lab

Insurer Name Go-digit Universal Sompo
Type of Policy Base Base
Type of Cover Indemnity Plan Indemnity Plan
Named / Unnamed Named basis Named basis

Employer-Employee
Not required Required
Relation

If contractual/off roll
employees can be Yes Yes
covered
Minimum
Blue collar Job - 500 lives
Employeees / Minimum Premium - 10,000
White collar job - 100 lives
Premium
Self + Spouse + 2 Dependent
Family Definition Children + Parents or Parents Employee + Spouse only
in Law*
3 months - 60 years
Age Restriction 18 years -60 years
Child upto 18 years

1 Lac / 2 Lac / 3 Lac & 5 Lac -

Sum Insured (Non- White collar Job profile
50k, 1L, 1.5L, 2L, 2.5L, 3L
Floater) 25K / 50K/1 lac - Blue Collar
Job profile

Room rent of 2% & ICU 4% of

Room Rent Restriction No Restriction
15 Days - Can be waived off
Initial Waiting Period
with additional premium
Cashless and Re-
Claims pay-out
imbursement
Base SI, maximum upto 5000
& 7500 respectively.
All charges to be paid in
proportion to room rent.
15 Days
Cashless and Re-
imbursement

Pre & Post 30 days respectively, Limited

30 & 60 days respectively
Hospitalisation to maximum upto 10% of SI

OPD cover within SI

Rs 2500 for SI 1 lac & 2 Lac
subject to Not Covered
Rs 5000 for SI 3 Lac & 5 Lac
hospitalisation
Quarantine Cover Not Covered Not Covered

For SI of 25K / 50K/ 1 Lac & 2

Lac - Rs 500/-day &
For SI 3 Lac & 5 Lac - Rs
Daily Cash If admitted
Not Covered 1000/- day, on completion of
in Govt Hospitals
24 hrs. of Quarantine /
Isolation per day, for a period
of Maximum of 7 days

Financial Protection
Not Covered Not Covered
against Loss of job

Ambulance Upto 1% of SI (upto INR 5000) Rs.3,000

Insured Member(s) is/are not

suffering from fever or
suffering /suffered from
Person with Co-Morbid
diabetes,
condition or Pre-existing
hypertension, disease related
Diseases – Like HTN/
to heart/lungs/kidney/liver,
Diabetes / Lung/ cardiac
Co-morbidity cancer, stroke or any
diseases etc. will be covered
condition / Exclusion condition that needs ongoing
under the policy , however the
medication or the
claim shall be paid only
insured members(s) is/are due
pertaining to COVID treatment
for any medical treatment, at
for such customers.
the time of buying this policy -
Can be waived with additional
premium
PED diseases of
symptoms of covid or
Person already
suspected or
quarantine prior to Not Covered Not Covered
inception of the policy
or within the initial
waiting period from
inception of the policy

Addition with annual Premium

for the balance period for new
Addition-Deletion Not Allowed
Joinees
Deletion not allowed

If the group members are

highly concentrated on any
containment zone area like
Dharavi Slums, Nizamuddin
etc, we should avoid. All
groups with more than 25% of
population concentrated on
red Zones declared by
Government of India, to be
avoided.
Special conditions NA
If the group members are
highly concentrated on any
containment zone area like
Dharavi Slums, Nizamuddin
etc, we should avoid. All
groups with more than 25% of
population concentrated on
red Zones declared by
Government of India, to be
avoided.
 ested Positive to COVID-19 / Corona Virus infection ,
from registered ICMR Lab
Reliance Chola MS
Base Base
Benefit Plan Benefit Plan
Named basis Named basis
Employer-Employee- subject
to underwriting Required - Product subject to
Non Employer-Employee - underwriting
Pre-underwritten

Not covered, Only available for

No
Permanent Employees

100 insured persons 7 Employees

Self + Spouse + 2 Dependent

Self only
Children + Parents

3 months - 60 years 3 months - 60 years

Child upto 18 years Child upto 25 years

25K, 50K, 1L, 2L Rs. 10K, 20K, 30K, 40K, 50K

Not Applicable Not Applicable

15 Days 16 days

Not Applicable Not Applicable

Not covered Not covered

Not covered Not covered

Optional add on cover:
Inurer will pay 50% of Sum
Insured, if Insured Person is
Quarantined* or 14
Not Covered
consecutive days due to
diagnosis/suspected of
coronavirus Disease (COVID
19)

Optional add on cover:

Rs.250/-, Rs. 500/-, Rs.750/-,
Optional add on cover: If Rs.1000/- per day maximium upto
Covid-19 quaratine / treatment 15 Days
for 14 consecutive days, leads This benefit is over and above the
to loss of pay, Insured gets a base Sum Insured
daily benefit amount of 2% Daily Cash benefit opted shall be
Per Day for maximum 30 days applicable at policy level and shall
not vary for the individual covered
under a single policy.

Optional add on cover: Loss

of Job cover - 50% of Sum
Insured - If the Insured suffers
unemployment due to the
diagnosis or Quarantine for
COVID-19, they get 50% of
the SI for each opted month
for maximum upto 2 months
Optional add on cover: 50% of
the chosen base Sum Insured per
month upto a maximum of 3
months towards Loss of Job due
to Diagnosis or Quarantine for
confirmed COVID-19

Not covered Not covered

Not Applicable Not Applicable

Not Covered Not Covered

Not Allowed On Pro-rata basis

1. Persons who have travelled

to the travel-restricted
countries in 45 days
immediately precedding the
NA
certificate period start date
2. Any Quarantine or
Diagnosis during Lockdown
period is not covered