Kotak Mahindra Health Insurance
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Kotak General Health Insurance

Kotak General Insurance is a 100% subsidiary of India's one of the fastest-growing banks (Kotak Mahindra Bank Ltd). To cater to every need of the customer, the company offers a wide range of non-life insurance products, including health insurance plans, car insurance plans, and bike insurance plans.

When it comes to health insurance, Kotak General Insurance doesn't fail to impress. With its wide range of health products, the company lets you choose the best-suited plan for yourself and your family.

Highlights:

Incurred Claim Ratio (Health)

2018-2019

47%

2017-2018

48%

2016-2017

51.55%

2015-2016

34.29%

Network Hospitals


4000+

**Last Updated on 07-01-2021

Kotak Mahindra Health Insurance

What are the different types of Kotak Health plans?

1. Kotak Secure Shield

Kotak Secure Shield is a critical illness insurance plan that protects yourself and your family against the expenses incurred due to the following:

First diagnosis of the below-mentioned Illnesses:

  • Cancer of specified severity
  • Kidney failure requiring regular dialysis
  • Multiple Sclerosis with persisting symptoms
  • Motor Neurone Disease with Permanent Symptoms
  • Benign Brain Tumor
  • Primary Pulmonary Hypertension
  • End-Stage Liver Disease/Failure

Undergoing for the first time of the following surgical procedures:

  • Major Organ / Bone Marrow Transplant
  • Open heart replacement or repair of heart valves
  • Open chest CABG
  • Aorta Graft Surgery

Occurrence for the first time of the following medical events:

  • Coma of Specified Severity
  • Stroke resulting in permanent symptoms
  • Permanent Paralysis of Limbs
  • First Heart Attack- of specified severity
  • Third Degree (or Major) Burns
  • Deafness or Loss of Hearing
  • Loss of Speech

Eligibility:

Entry Age

18 years-65 years

Renewal Age

Life-long renewals

Policy Period

1, 2 & 3 years

**Last Updated on 07-01-2021

Key Benefits:

  • The policy offers financial stability (with child education benefits) to the family in case of death or permanent total disability of the insured due to an accident.
  • The plan offers loss of job benefit, where the company offers financial support to you and your family in case you lose your job due to an illness or accident.
  • By paying regular premiums, the insured can avail of tax benefits under section 80D of the Income Tax Act, 1961.

2. Kotak Health Care

Kotak Health Care is a comprehensive health insurance plan that ensures you and your family are financially protected against medical emergencies. The plan comes in three variants- Excel, Platinum & Prime.

Eligibility:

 

Excel

Premium

Prime

Min./Max. Entry Age

  • Minimum 5 years & Maximum 65 years (Individual)
  • Minimum 91 days & Maximum 65 years (Floater)
  • Maximum 25 years for dependent children

Policy Tenure

1, 2, & 3 years

Base Sum Insured

2 lakhs, 3 lakhs, or 4 lakhs

5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, or 25 lakhs

10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs, 75 lakhs, or 100 lakhs

**Last Updated on 07-01-2021

Key Benefits:

Ensure maximum protection by selecting the following optional covers:

  • Hospital Daily Cash + Convalescence Benefit + Donor Expenses
  • Critical Illness Cover + Double Sum Insured
  • Cap on Room Rent
  • The plan covers pre and post hospitalization expenses up to 30 & 60 days respectively.
  • With every claim-free year, avail of a cumulative bonus of 10% on your base annual sum insured (up to 50% of base SI) on renewal of the policy.

3. Kotak Accident Care

The policy is specially designed to cover you and your family in case of an accidental injury, disability, or death.

Eligibility:

Entry Age

Minimum: 5 years

Maximum: 65 years

Renewal Age

Life-long renewals

Policy Period

1, 2 & 3 years

**Last Updated on 07-01-2021

Key Benefits:

  • Grab an accidental hospital daily cash benefit, where a claimant will get a fixed sum on a daily basis (during hospitalization) to cover the miscellaneous expenses.
  • One can avail of a convalescence benefit, under which the company pays a fixed sum of Rs.10,000 on hospitalization for a minimum of 10 continuous days.
  • As an optional cover, the policy looks after the expense incurred during the transportation of the body of the deceased from the place of death to the place of residence.

4. Kotak Super Top-up

With the Kotak Super Top-up plan, you can enhance your health insurance coverage at affordable rates. In other words, the plan offers additional coverage to the policyholder to meet his/her medical expenses.

Policy Details:

Long Term Cover

2 & 3 years

Tax Benefits

Available

**Last Updated on 07-01-2021

Key Benefits:

  • The plan offers restoration benefit up to 100% of the sum insured for claims due to unrelated illness in a policy year.
  • Ambulance expenses incurred for taking the insured to the hospital are covered (up to Rs.2,000/hospitalization) by the plan.
  • The plan covers (up to Rs.50,000) medical expenses arising during the treatments taken under Ayurveda, Unani, Sidha, among others.

5. Kotak Health Premier

Kotak Health Premier is a comprehensive health insurance plan that forms a financial bubble around you and your family against rising medical expenses. The plan offers rewards and value-added benefits to help you stay fit.

Eligibility:

Entry Age

Minimum: 91 Days for Child and 18 Years for Adult

Maximum: 25 years for Child and 65 Years for Adult

Renewal Age

Life-long renewals

Policy Period

1, 2 & 3 years

**Last Updated on 07-01-2021

Key Benefits:

  • The plan looks after the treatment expenses of listed 405 day care procedures, which require less than 24 hours of hospitalization.
  • Go for an annual health check-up (for specified tests) once every policy year, without paying any charges. The insured must be above 18 years of age.
  • Avail of multiple second e-opinions on medical conditions in a policy year. 

6. Arogya Sanjeevani Policy

The plan offers medical coverage to the individuals and their families at affordable premiums.

Eligibility:

Entry Age

Minimum: 18 years

Maximum: 65 years

Sum Insured

Minimum: Rs.1 Lakh

Maximum: Rs.5 Lakhs

Policy Period

1 year

**Last Updated on 07-01-2021

Key Benefits:

  • The plan offers pre & post hospitalization coverage up to 30 & 60 days respectively.
  • If the insured wants to undergo cataract treatment of one eye, the plan covers (Rs.40,000 or 25% of SI, whichever is less) its expenses.
  • The plan also covers ambulance charges up to Rs.2000 per hospitalization.

7. Corona Kavach Policy

Corona Kavach is a standard individual health insurance policy that protects you against hospitalization expenses that occur due to COVID-19.

Eligibility:

Entry Age

18-65 years

Sum Insured

Rs. 50,000- Rs. 5,00,000

Policy Period

3½ months, 6½ months, and 9½ months

**Last Updated on 07-01-2021

Key Benefits:

  • Pre hospitalization and post-hospitalization expenses (up to 15 and 30 days) are covered.
  • The plan offers coverage against the expenses incurred on the road ambulance service, home care treatment (maximum of 14 days during the policy period), and AYUSH treatments.
  • The plan offers daily hospital cash benefit (0.5% of the sum insured) for every 24 hours of continuous hospitalization for treatment of COVID. This is payable for a maximum 15-day period.

8. Corona Rakshak Policy

Corona Rakshak is a standard individual health insurance policy that provides lump sum benefit to the insured if detected with COVID-19 (by a government-authorized diagnostic centre). To avail of policy benefits, a minimum continuous period of 72 hours is required.

Eligibility:

Entry Age

18-65 years

Sum Insured

Rs. 50,000- Rs. 2,50,000

Policy Period

3½ months, 6½ months, and 9½ months

**Last Updated on 07-01-2021

What's not included in Kotak Health Insurance?

Below is a list of few exclusions applicable under Kotak Health Insurance.

  • Any injury due to war, invasion, act of a foreign enemy, hostilities, etc.
  • Usage, consumption, or abuse of drugs or alcohol.
  • Self-destruction or self-inflicted injury.
  • Sexually transmitted disease.

Why Spend Your Money On Kotak Health Insurance?

There are several reasons to invest in Kotak Health Insurance. A few of the important ones are highlighted below for your reference.

  • Kotak Health Insurance is available on an individual and family floater basis, where you can add up to 10 people.
  • One can avail of the benefit of cashless hospitalization with over 4000 network hospitals throughout the country.
  • Under section 80D of the Income Tax Act, 1961, one can avail of tax benefits on the premiums paid.

How To Buy Kotak Health Insurance?

Buying Kotak Health Insurance is an easy and hassle-free process. Just follow the below steps:

  • Visit the official website of Kotak General.
  • Click on the ‘Health Insurance' icon and you will be directed to the next page.
  • Enter the personal details and submit the form.
  • The next page will show the best-suited plan. Opt for optional covers (if required) and check the premium details.
  • Pay the premium online, and your policy will be mailed to your registered email address.

You can also buy Kotak Health Insurance from the nearest branch of the company.

How To File Kotak Health Insurance Claim?

At the time of a medical emergency, you should know the entire claim process to avoid any further stress in that situation. Below is the complete guide of how one can file his/her claims. Let's have a look at it:

Cashless Claim

If you are admitted to one of Kotak General's network hospitals, you have to follow the below steps-

  1. In case of planned hospitalization, intimate the company 48 hours before the hospitalization. In case of an emergency, visit the cashless helpdesk of the hospital within 24 hours of hospitalization.
  2. Submit the pre-authorization form, along with the photo identity and health card copies at the hospital desk.
  3. The hospital will then contact the company for treatment approval.
  4. If approved, the company will settle all the bills and expenses of your treatment.

Reimbursement Claim

You have the option to get yourself treated at a non-network hospital, and file for reimbursement with the following steps-

  1. Inform (via care@kotak.com or 1800 266 4545) the insurance company at the earliest.
  2. Settle all the bills and collect the necessary documents before you leave the hospital.
  3. Submit the documents and the claim form to the company within 30 days of discharge.
  4. Once the verification is done, the company will settle your claim within 15 days.

Contact Details Of Kotak General

Address: 8th Floor, Zone IV, Kotak Infinity, Bldg. 21, Infinity IT Park, Off WEH, Gen. AK Vaidya Marg, Dindoshi, Malad (E), Mumbai – 400097

Telephone: 1800 266 4545 (Toll-free)

E-Mail:care@kotak.com

FAQ's

1. Does Kotak Health Premier offer maternity cover?

Yes, the plan offers maternity cover, provided all the below 3 covers are taken together.

  • Maternity Benefit
  • New Born Baby Cover
  • Vaccination Expenses

2. Does Kotak General offer a free look period in its health plans?

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.

3. What documents do I need to submit for a reimbursement claim?

The following documents are required for the processing of reimbursement claims:

  • Duly filled and signed claim form.
  • All the hospital bills and receipts of the chemist, medical practitioner, prescriptions, etc. (in original).
  • Discharge card from the hospital.
  • All original medical investigation reports.
  • NEFT and KYC details of the claimant.
  • Others requested by the company.

Page updated on 07-01-2021