Hello Karthik,

The IRDAI guideline as well as Insurance company's policy wordings are silent about covering comorbidity. It just talks about benefit based payment in case you are diagnosed COVID19 positive and hospitalized for more than 72 hours.

In absence of the mention of any exclusion, in our opinion, any hospitalization for COVID19 including ones due to Comorbidity should be qualified for the lump sum benefit.

Hello Karthik,

Apologies for the delayed reply.

The comparison table you are referring to compares the questions each insurer asks when you are buying the policy.

All policies have the exact same conditions across all Corona Rakshak and Corona Kavach Policies, as designed by IRDAI. So you need not worry about the comparison of benefits between the same product.