Hi Mamta,

Home Quarantine is covered by insurance only when active treatment is taken at home under following 2 scenarios

1) Unavailability of required beds at a hospital, and/or

2) Inability to shift patient to hospital because of her medical condition.

If you only have mild symptoms that can be managed effectively at home - say through oral medications, checking oxygen levels etc. - medical expenses during such Home Quarantine would not be covered by insurance plans.

Take Care,

Asad Akbar

Corona Kavach policy doesn't cover home quarantine expenses, since the word quarantine refers to restriction of movement of person who may not be COVID positive.

However the policy covers Home Care Treatment which means availing treatment at home on positive diagnosis of COVID up to maximum 14 days provided following criteria's are met.

1) Advice by the Doctor to undergo treatment at home.

2) Treatment monitored daily by the Doctor.

3) Daily monitoring chart record of Doctor.

4) Prior approval/Intimation from the Insurance company.