Preamble

Covid 19 No Fault Liability Insurance Cover is a Group Insurance Scheme Designed by Go Digit Insurance Co Ltd. It covers death of Members Contracted with Covid 19 disease.

Who Should Take This Policy?

It is a Group Cover and it can be taken by Entity/organization for their Employees/Contractual workers.

Policy can be extended to cover Relationship Like Company-Vendors, Company-Customers and between Company-distributors.  Policy also Accept non standard Groups such as Society and its members,etc.

What is Covered under this policy?

Death Due to Covid  19 Infection

Why Should Organization take This Policy?

1. Rapid Increase in Covid 19 cases after opening up the lockdown.
2. Past trend reveals possibility of Spreading Covid 19 infection at work place/ factories in spite of high precautionary measures followed by organization.
3. Moral obligation of an Organization towards its employees/workers in case if death happens due to Covid 19 infection
4. Possible exposure of Liability claims faced by employer from family of deceased due to covid 19

Important Policy Criteria:-

Underwriting Information Requirement:–

• Company Name
• Date of Birth of each employee proposed
• Gender
• Location
• Limit of Liability
• CTC
• Designation

In case of Non Employer- Employee proposal, Underwriting approval is required.

Important Conditions & Subjectivities:–

1. Cause of Death should be due to covid 19 and further guidelines as defined by ICMR.
2. Covid 19 Positive report must be confirmed through Polymerase Chain Reaction (PCR) Method. Most Recent Report through PCR Method should confirm that the employee was suffering from Covid 19.
3. First Time diagnosis of Covid 19 should be after the start of this policy. Policy shall not cover death claim for such employees who are diagnosed covid 19 positive prior to opt this policy.
4. Said Policy shall not cover such beneficiary whose sample for testing Covid 19 is collected prior to inception of Risk Cover.
5. Death Should happen during the course of Covid 19 treatment or within 30 days after Covid 19 positive report date.
6. Policy covers death Happens during Home Hospitalization/ in a quarantine centre in lieu of non availability of Hospital beds provided:–
   1. Sole cause of Death is due to Covid 19 illness
   2. Reason as well as prescription for home/quarantine treatment has to be shared from the treating doctor and
   3. Employee/insured should have followed all advice given by treating doctor during the course of Home/quarantine treatments.

7. It is a condition of a policy that positive test result of covid 19 should be available before the death of named beneficiary. That means, policy shall not pay a loss if employee dies and later stage it’s corona diagnosis report confirms Covid 19 positive.

Exclusion:–

1. Suicide is Not Covered.
2. Cause of Death primarily not due to covid 19 is not payable
3. Claim is not payable if employee diagnosed with Covid 19 and later on declared free from Covid 19 and later dies due to other medical reasons.

 Premium Chart:–

       For Standard Risk:–

For Non Standard Risk:–

Definition of Non Standard Risk Includes Following Occupancies:-

• Health Care works excluding Hospital Staff
• Diagnostic/pathology lab workers, Pharmacy operated within Hospital Premises
• Dentist Not working in hospital
• Saloon/Spa/Barbor/Airline staff/Airport staff
• Mining workers/ Security Guards
• Bus/truck/taxi/Cab and other Commercial Vehicle drivers and other staff
• Home service Providers and Home delivery persons, Sanitation workers
• NGO Working for Covid 19
• Municipal corp. workers/ sweeper/Garbage collectors
• Policy/NDRF/Armed Forces
• Print/Television media including Reporters