Network hospitals
9000+
Incurred claim ratio
56.01%
Sum insured
Up to 25 Lakh
No. of Plans
17
Solvency Ratio
2.2
Pan India Presence
19
Network hospitals
9000+
Incurred claim ratio
56.01%
Sum insured
Up to 25 Lakh
No. of Plans
17
Solvency Ratio
2.2
Pan India Presence
19
Kotak General Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd., the fastest-growing bank. Kotak General Insurance got the license in November 2015. The company has spread across 25 branches and has 1339 employees. Kotak General Insurance values its customer service, innovation, and quality above anything.
Kotak Health Insurance
Kotak Health Insurance Company offers a comprehensive range of health insurance plans. These plans fulfil the needs of different sections of society with specialized curated products. You can choose the best Kotak Health Insurance for yourself and your family.
Kotak General Insurance has numerous rewards and achievements under its umbrella.
Cashless Claim Settlement | 2 hours |
Minimum Entry Age | 3 months |
Maximum Entry Age | 65 years |
Sum Insured | Upto Rs. 25 Lakh |
Network Hospital | More than 7200 |
Tax Benefits | Upto Rs. 1 Lakh |
Solvency Ratio (2021-22) | 2.1% |
Claim Settlement Ratio (2021-22) | 96.9% |
Ambulance Expenses | Covered |
Coverage for Accidents | Yes |
Kotak Mahindra Health Insurance offers customized health insurance plans and complete health covers. Have a look below.
Family Plan
Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.
Unique Features
Comprehensive
A comprehensive health plan that offers protection plus rewards and value-added benefits. Additionally, the plan also comes with in-built maternity coverage.
Unique Features
Standard
It is a standard health insurance plan that offers medical coverage of up to 10 Lakhs. Also, a fixed co-pay of 5% is applicable for all claims and ages in this policy
Unique Features
Critical Illness
A critical illness insurance plan that covers the expenses incurred in treating critical illnesses by paying a one-time lump sum insured to the beneficiary.
Unique Features
Personal Accident
The plan is specially designed to cover you and your family in case of an accidental injury, disability, or death.
Unique Features
Top-up
Kotak Super Top-up plan offers additional coverage to the policyholder to meet his/her medical expenses in case their base health coverage is exhausted.
Unique Features
Corona Specific
Corona Kavach policy is a standard individual health insurance policy that protects you against hospitalization expenses that occur due to COVID-19.
Unique Features
Kotak Mahindra Health Insurance Company is famous for creating products that are flexible enough to meet the requirements of their varied customers. There are several benefits to choosing Kotak Mahindra Health Insurance as your health insurance partner. Read below to know more-
Kotak General Insurance has a long list of network hospitals where you can avail of cashless treatment facilities. Currently, there are more than 7200 hospitals across India.
With Kotak Mahindra health insurance plans you will get the benefit of free health check-ups. Utilizing the free health check-up does not even affect the base premium.
The premiums paid against Kotak Mahindra General Insurance premiums can be claimed for the tax deduction under Section 80D.
The claim settlement process of Kotak Mahindra health insurance is super fast and hassle-free.
Being the best brand in the market, you will get the best customer assistance who are available 24x7 for you. For any queries, you can reach them, and they will resolve it within a few minutes.
Illness and Injury Cover- If there is any requirement for hospitalization due to any illness or injury during the policy year, it will be covered by the policy.
The health insurance policy by Kotak Health Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
With the Kotak Health Insurance policy, you will get the facility of an ambulance. So, do not worry if you are required to take medical facilities outside the city, then too you will be covered.
A health check for policyholders age 40 years and above or someone who is opting for SI of Rs 6 Lakh and above is included in the policy.
The policy allows you to get a daily cash allowance up to the sum insured. This makes sure that you can pay easily for your daily expenses.
The policy allows you to get traditional treatments such as Ayurveda, Yunani, Homeopathic, and much more.
The health insurance covers the complete cost of organ donation and transplant surgeries.
When someone is not well and gets hospitalized, their immediate relatives (visitors) go to and fro from hospital to home. So this policy will cover the expenses incurred during this phase for the visitors.
The policy covers the medical benefits of the pregnancy to a newborn baby till the baby completes two years.
Vaccination except rabies or post-bite will not be included in the policy.
Injuries caused by any kind of sports will not be included.
Injuries caused due to war, mutiny, or martial law are not covered.
Injuries due to breaking of law or committing immoral acts are not covered under the health insurance policy.
Insurance policies do not cover self-inflicted injuries or suicide.
The policy will not cover any sexually transmitted diseases or venereal diseases.
Recreational surgeries will not be covered in the health insurance policy. Plastic surgery coverage will be included only in the case of an accident.
The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.
Kotak Mahindra Health Insurance generally adds the following waiting periods:
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let’s check out some of the vital factors that you should consider before buying a health insurance policy:
When choosing a plan your first step is to check whether your requirement is for yourself or your family. Most of the time family floater plans benefit those who want to secure their family as it is cheaper than the individual one.
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. Also, it is necessary to choose a policy that offers maximum coverage amount for your health claims.
Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
Always check the list of hospitals included in your policy. Remember the kinds of medical facilities and services you might need in the future.
Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at a young age is always suggested.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
Once the payment is done, the policy details will be mailed to your registered email address.
To avail of the benefits consistently, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
When you visit the official website of Kotak Mahindra Health Insurance, click on the “Renew existing Policy” box.
It will redirect you to the main page, where you need to fill in the policy number and captcha.
Review the policy and fill in the details.
Now choose the mode of payment and complete the payment.
Once the payment is made, your policy will be renewed instantly.
OR
You can directly call our experts to do the work for you: get quotes
To file a claim you need to follow the below steps. Kotak Mahindra Health Insurance Company offers the easiest way to file a claim.
If you are admitted to one of Kotak General's network hospitals, you have to follow the below steps-
You have the option to get yourself treated at a non-network hospital, and file for reimbursement with the following steps:
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
You can calculate your health insurance premiums online at PolicyX very easily. Our health insurance premium calculator is a tool that is designed to enable potential buyers to estimate the premiums that they need to pay, monthly, quarterly, or annually.
We are-
Kotak Mahindra Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Kotak Mahindra Health Insurance Customer Care.
8th Floor, Zone IV, Kotak Infinity, Bldg. 21, Infinity IT Park, Off WEH, Gen. AK Vaidya Marg, Dindoshi, Malad (E), Mumbai - 400097, India
care@kotak.com
1800 266 4545 (Toll-free)
Yes, as per the IRDAI guidelines, a policyholder has the option to return the original policy within 15 days from the date of receipt of the policy.
Customers can renew their policy online from the company's website. Process for the same is given below:
Alternatively, customers can also place a free cheque pick-up request by calling the company's toll-free number: +1800 266 4545.
In the reimbursement claim method, Kotak General Insurance processes the claim within 15 working days from the receipt of complete documents. And in case of cashless claims, the company conveys its decision on the cashless mode within 6 business hours from the receipt of complete details.
Yes, the plan offers maternity cover, provided all the below 3 covers are taken together.
Yes, medical as well as treatment expenses during the quarantine period towards COVID-19, are covered under the policy. Customers should submit prescriptions from Govt. doctor certifying the need to be quarantined along with a Medical test report for COVID-19. Please note that no coverage is provided on account of self-quarantine or quarantine at home.
Yes, the company offers a separate channel for addressing claims and grievances of senior citizens. One can drop their concerns at: seniorcitizen@kotak.com
Yes. Premiums paid for Kotak Medical Insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act 1961.
Yes, one can customize their Kotak Health Insurance plans by paying additional premiums and opting for health insurance riders.
To check the claim status of your Kotak Mediclaim follow the below steps:
In such a case, the company will pay the amount as per your chosen coverage, and the rest of the outstanding amount needs to be paid by you.
The duly filled claim form along with the documents should be submitted as soon as possible, but no later than 30 days from the date of discharge.
To register your grievances, you need to fill up a feedback form which is available on the official website of Kotak Mahindra Health Insurance. Once done, the company's grievance redressal team will assist you.
Do not worry. To make a change in your Kotak Mahindra Health Insurance policy, get in touch with the customer care team at 1800 266 4545 (toll-free) to correct the date.
Below is a list of a few general exclusions applicable under Kotak Health Insurance plans. To get more details about plan-specific exclusions, refer to the policy document.
Compare Kotak Health Insurance mediclaim policies with other top insurers in India.
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An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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