Kotak Mahindra vs Oriental Health Health Insurance 2026

Overview

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

COMPANY DETAILS

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Kotak Mahindra

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Oriental Health

Number of health insurance plans	No. of Plans 4 ❯	No. of Plans 5 ❯
Sum insured	Sum Insured Up to ₹ 25 L	Sum Insured Up to ₹ 2 Crores
Claim ratio	Claim Ratio 96.4%	Claim Ratio 91.62%
Network hospitals	Network Hospital 22600+	Network Hospital 4000+
Solvency Ratio	Solvency Ratio 5.73	Solvency Ratio -1.03
Pan India Presence	Pan India Presence 19	Pan India Presence 1,000
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 748.22 Crore	Annual premium (company level) 9,994.44 Crore
Years in operation	Years in operation 2015	Years in operation 1947
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 90.18
Recommended Videos	▶ Zurich Kotak Health Insurance Review 2025 \| Benefits, Premium &amp; Claim Process Explained ▶ Oriental Health Insurance

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Know More About Health Insurance Companies

Zurich Kotak Health Insurance

Zurich Kotak Group Health Care Policy

The Kotak Group Health Care insurance plan is detailed here, tailored for active members of Kotak Mahindra Bank and their dependen...

Domiciliary treatment cover
Get wellness benefits
Optional covers available

Domiciliary hospitalization
Daycare procedures
Donor expenses
In-patient treatment care

Obesity treatment unavailable
Breach of law
Cosmetic surgery
Maternity not covered

Room rent capping
AYUSH cover
Wellness benefits

Entry age - 18-55 Years
SI - 3/4/5 Lakhs
Plan type- Individual
Waiting Period - 30 days

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Individual

Zurich Kotak Accident Care Plan

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

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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

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Individual

Zurich Kotak Group Accident Protect Plan

The Zurich Kotak Group Accident Protect Plan offers essential financial protection against the severe impact of accidents, coverin...

AD PTD & PPD Covers
Children’s Education Grant
Lifestyle Modification Cover

Accident Cover
Accidental Death
Disability Cover

Adventure Sports
Illegal activities
Obesity Treatments

Permanent Total Disability
Partial Disability
Children education

Min Age: 5 Years
Max Age: 65 Years
Sum Insured: 25 L
Initial Waiting Period: NA

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Oriental Health Insurance

Oriental Bank Saathi Policy

The Oriental Insurance Bank Saathi Policy is a group health insurance plan providing indemnity for medical expenses to individuals...

2 Plan Variants
Newborn Baby Cover
Modern Treatment

Maternity & newborn cover
Medical second opinion
Mental illness cover

Illegal activities
Alcoholism
Adventure sports

Tax benefits
AYUSH treatment
Modern treatments

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

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Accident Health Insurance

Oriental Personal Accident Policy

Oriental Insurance's personal accident policy provides crucial financial support for individuals and families facing unforeseen ac...

Covers you globally
Optional medical cover
Accidental loss compensation

Accidental death
Injury
Permanent total disability

Obesity
Illegal activities
Cosmetic Procedures

Permanent partial disability
Temporary total disability
Worldwide accidental cover

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Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Happy Family Floater Policy offers comprehensive health coverage for Indian families, with four plan options (Silver, Gol...

International Cover
Multiple Discount Benefits
E-Consultation Available

Domiciliary hospitalization
Pre and post-hospitalization
Newborn baby expenses

Illegal activities
Alcoholism and drug abuse
Obesity

Tele consultation
Telemedicine
Accidental death benefit

Min entry age: 18 Years
Max entry age: 65 Years
Initial waiting period: 30 days
Sum Insured: Up to 50 Lakhs

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Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim Policy offers comprehensive health insurance from Oriental Health Insurance, designed for Punjab Nati...

Individual and Family Floater
AYUSH Cover
Check the Eligibility Criteria

Covers family
High sum insured
Ambulance cover

Illegal activities
Alcoholism and drug abuse
Obesity

Pre and post-hospitalization
Multiple variants
Daily hospital cash

Min entry age: 18 years
Max entry age: 79 years
Initial waiting period: 30 days
Sum insured: Up to 10 Lakh

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Individual

Individual Mediclaim Policy

Oriental Individual Mediclaim offers affordable health insurance for individuals aged 18-65, covering hospitalization and domicili...

AYUSH Benefits Covered
Inclusions and Exclusions
Lifetime Renewability

Family discount
Voluntary co-payment
Daily hospital cash

Alcoholism and drug abuse
Obesity
Cosmetic procedures

Personal accident cover
Medical second opinion
Multiple SI options

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 50 Lakhs

View plan

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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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