Kotak Mahindra vs Icici Lombard Health Insurance 2026 | PolicyX

Overview

Zurich Kotak General Insurance offers health plans for individuals and families, covering hospitalisation, daycare treatments and medical expenses.
COMPANY DETAILS ✎ Edit

Kotak Mahindra

✎ Edit

Icici Lombard

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 L

Sum Insured

Up to ₹ 3 Crores
Claim ratio

Claim Ratio

96.4%

Claim Ratio

97.16%
Network hospitals

Network Hospital

22600+

Network Hospital

10600+
Solvency Ratio

Solvency Ratio

5.73

Solvency Ratio

2.69
Pan India Presence

Pan India Presence

19

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

748.22 Crore

Annual premium (company level)

7,635.67 Crore
Years in operation

Years in operation

2015

Years in operation

2001
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

96.76

Claims settled within 3 months

97.16
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Zurich Kotak Health Insurance Review 2025 | Benefits, Premium & Claim Process Explained

▶ Zurich Kotak Health Insurance Review 2025 | Benefits, Premium & Claim Process Explained

ICICI Lombard Health Insurance

▶ ICICI Lombard Health Insurance

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Zurich Kotak Health Insurance

The Zurich Kotak Accident Care Plan provides financial protection against the impact of accidents, covering treatment, hospitaliza...

  • Funeral expenses extensions
  • Children’s education grant
  • Lifelong renewability
  • Children education grant
  • Dead remains transportation
  • Convalescence benefit
  • Accident daily cash benefit
  • Room rent charges
  • Pre and post-hospitalization
  • Mental disorders
  • Self-inflicted injury
  • Ambulance charges
  • Accidental death
  • TTD PTD PPD cover
  • Entry Age 5 to 65 years
  • Policy term 1/2/3 years
View plan
Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Kotak Mahindra Health Premier Plan offers comprehensive and customizable health insurance for individuals and families, available ...

  • Comprehensive coverage
  • Value-added benefits
  • Customizable plans
  • In-patient treatment
  • daycare treatment
  • ambulance cover
  • restoration benefit
  • Global coverage
  • modern treatment
  • IVF cover
  • Adventure sports
  • Maternity benefit
  • cumulative bonus
  • compassionate travel
  • vaccination
  • Entry age 18 years (min) - 65 years (max)
  • SI 2 Lakh to 2 Crore
  • Initial waiting period 30 days
  • Policy period 1/2/3 years
View plan

ICICI Lombard Health Insurance

Accident Health Insurance

ICICI Personal Protect Policy

The ICICI Lombard Personal Protect Policy offers comprehensive coverage against the financial impact of accidental injuries, inclu...

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance
  • Illegal activities
  • Adventure sports
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance
  • Min entry age: 18 years
  • Max entry age: 80 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 Lakhs
View plan
Senior Citizen Health Insurance

Golden Shield Plan

The ICICI Lombard Golden Shield Health Plan is specifically designed for senior citizens aged 56 and above, offering comprehensive...

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization
  • Maternity cover
  • New born cover
  • Daily hospital cash
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days
View plan

Compare with Other Insurers

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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