Policy Catalogue

Browse published products with IRDAI-structured coverage terms, evidence levels, and section anchors (§).

All Products (6)Health (3)Motor (3)

HEALTH · Individual Base Healthv1.0.0

Kavach Standard Individual Health

Code: KV-H1-STD-IND · UIN: NOT_FILED_DEMO

Standard individual hospitalisation cover with IRDAI-standard exclusions and defined room rent caps.

Key Terms & Evidence:

Sum Insured:

₹5,00,000DEMO_SYNTHETIC

Room Rent Limit:

2% of SI max ₹5,000/day [MKT]CONFIRMED

ICU Rent Limit:

5% of SI max ₹10,000/dayCONFIRMED

Pre-Hospitalisation:

30 daysCONFIRMED

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HEALTH · Family Floaterv1.0.0

Kavach Family Floater Health

Code: KV-H2-FAM-FLT · UIN: NOT_FILED_DEMO

Single shared family floater with private AC room category eligibility and maternity add-on options.

Key Terms & Evidence:

Sum Insured:

₹10,00,000 (Floater)DEMO_SYNTHETIC

Room Rent Category:

Single Private AC Room [DEMO]DEMO_SYNTHETIC

Pre-Hospitalisation:

60 daysCONFIRMED

Post-Hospitalisation:

90 daysCONFIRMED

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HEALTH · Super Top-Up High SIv1.0.0

Kavach Super Top-Up Health

Code: KV-H3-SUP-TOP · UIN: NOT_FILED_DEMO

High-threshold catastrophic protection applying aggregate deductible across hospitalisations in a year.

Key Terms & Evidence:

Sum Insured:

₹25,00,000DEMO_SYNTHETIC

Aggregate Deductible:

₹5,00,000 cumulative per yearCONFIRMED

Room Rent Category:

Single Private Room [DEMO]DEMO_SYNTHETIC

Co-Payment:

Nil after deductible satisfiedCONFIRMED

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MOTOR · Private Passenger Carv1.0.0

Kavach Private Car Comprehensive

Code: KV-M1-PVT-CAR · UIN: NOT_FILED_DEMO

Own Damage + Statutory Third Party Liability covering private 4-wheelers with No Claim Bonus scale.

Key Terms & Evidence:

Cover Scope:

Section I (Own Damage) + Section II (Third Party Liability)CONFIRMED

Insured Declared Value (IDV):

Depreciation schedule based on manufacturer list priceCONFIRMED

Compulsory Deductible:

₹1,000 (cars ≤ 1500cc) / ₹2,000 (cars > 1500cc)CONFIRMED

Compulsory PA for Owner-Driver:

₹15,00,000 (statutory)CONFIRMED

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MOTOR · Goods Carrying Commercialv1.0.0

Kavach Commercial Goods Vehicle Package

Code: KV-M2-GCV-TRK · UIN: NOT_FILED_DEMO

Heavy goods commercial vehicle policy covering up to 12,000 kg GVW under IRDAI notified TP tariffs.

Key Terms & Evidence:

Gross Vehicle Weight (GVW):

Up to 12,000 kg public carrierCONFIRMED

Statutory Third Party:

Notified IRDAI commercial goods tariffCONFIRMED

Compulsory Deductible:

₹1,500 (GVW ≤ 12,000 kg)CONFIRMED

Driver & Cleaner PA:

Covered under IMT endorsement 28CONFIRMED

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MOTOR · 3-Wheeler Passenger Carrierv1.0.0

Kavach Passenger Carrying Vehicle Auto Rickshaw

Code: KV-M3-PCV-AUTO · UIN: NOT_FILED_DEMO

3-passenger motorized auto rickshaw package covering CNG kit endorsement and passenger legal liability.

Key Terms & Evidence:

Licensed Passenger Capacity:

3 passengers + 1 driverCONFIRMED

Passenger Legal Liability:

Statutory unlimited bodily injury / deathCONFIRMED

CNG / Bi-fuel Kit:

Included with RTO endorsement noticeCONFIRMED

Compulsory Deductible:

₹500 per claimCONFIRMED

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