Kotak Health Insurance
  • Specialized plan to cover accident
  • Pre & Post Natal coverage
  • 4000+ Network Hospitals
Kotak Health Insurance
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Kotak Health Insurance

Kotak General Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd. The company started operations in 2015 after receiving its license from IRDAI. Ever since its emergence, Kotak Insurance company has delivered various products and has established a wider presence across the country. The company offers a wide range of non-life insurance products that are designed to cater to every need of the customer, including health insurance plans, car insurance plans, and bike insurance plans.

With the comprehensive range of Health Insurance plans offered by Kotak Health Insurance company, the insurer ensures to fulfil the varied needs of different sections of society with its specialized products. With its wide range of health products, the company lets you choose the best-suited plan for yourself and your family.

Achievements of Kotak Health Insurance

Kotak General Insurance has numerous rewards and achievements under its umbrella.

  • Marketer company of the year by India Insurance Summit & Awards 2020.
  • ANA ECHO International Awards 2020, USA - Bronze, Consumer Services.
  • Brand Equity Shark Awards 2019 - Silver, best consumer insights campaign.
  • India Digital Media Awards 2019 - Silver, Special award for gender parity.
  • 2 Silvers in the 'Best Consumer Engagement & Best in Financial Service' category by DMAi ASIA ECHO AWARDS in 2019.
  • 3 Bronze in 'Best Use of Social Media, innovative use of technology & best in consumer services' category by DMAi ASIA ECHO AWARDS in 2019.

Why Choose Kotak Health Insurance

Your choice of a health insurance policy directly depends upon the company's performance. Here we have evaluated the performance of Kotak Health Insurance on the basis of various factors that influence the efficiency of the company.

  • Network Hospitals:
    Kotak General Insurance has a long list of network hospitals where the policyholder can avail of cashless treatment facilities. At present, the company has partnerships with more than 4000 hospitals across the country.
    Cashless hospitalization allows policyholders to avail medical treatment in any of the network hospitals without worrying about the expenses as the hospital bills are settled by the insurance company without the policyholder spending any money from his pocket.
  • Annual Premium:
    The business reputation and market performance of any insurance provider can be determined through its annual premium. As per the IRDAI Annual Report of 2020-21, the annual premium of Kotak Health Insurance is 543.99 Crores.
  • Claim Support:
    Customers are advised to opt for an insurance company that has a high claim support ratio. Kotak General Insurance has a claim support ratio of 96.01%.
    The claim support ratio is a useful parameter that shows the number of claims settled by the company during the last three months and helps in analyzing its claim settling capability.
  • Solvency Ratio:
    The solvency ratio helps in measuring the ability of the company to meet its long-term debt obligations and other monetary commitments. As per IRDAI, all insurance companies in India are obliged to maintain a minimum solvency ratio of 1.5, and Kotak General Insurance has been able to match this criterion. At present, the solvency ratio of the company is 2.98.
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Health Insurance Plans by Kotak Health Insurance Company

Kotak Health Insurance offers several health insurance plans to fulfil the insurance needs of a diverse range of customers. Read below to get an insight into the plans offered by Kotak Mediclaim Insurance and explore what features and benefits they have to provide you with.

Individual & Family Health Insurance

Family Plan

Kotak Health Care

Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.

Unique Features

  • Enhanced coverage
  • Free Annual Health Check-ups
  • Lifetime Renewability


Kotak Health Premier

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

  • Long Term & Family Discounts
  • Zone-wise premium classification
  • Critical Illness cover


Kotak Arogya Sanjeevani Policy

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

  • Coverage for cataract treatment
  • Modern treatments covered
  • Cumulative bonus of 5%

Specialized Plans

Critical Illness

Kotak Secure Shield

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

  • Child education benefit
  • Personal accident benefit
  • Loss of job benefit

Personal Accident

Kotak Accident Care

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

Unique Features

  • Funeral expenses extension
  • Carriage of dead body
  • Ambulance charges


Kotak Super 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

  • 100% restoration of SI
  • Ambulance coverage up to 2,000
  • AYUSH Cover

Corona Specific

Corona Kavach Policy

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

Unique Features

  • Home care treatment expenses
  • Optional cover available
  • Benefit of up to 100% of SI

How To Buy Kotak Health Insurance?

For the customer's convenience, the Kotak Health Insurance policy can be easily bought online. There are two methods by which customers can purchase Kotak health insurance plans. These methods include buying the plan from either:

  • Kotak company's online portal or the nearest branch,
  • Through third-party intermediaries like agents and brokers.

Buy from the Company

  • Visit the website of Kotak General Insurance.
  • Click on the 'Health Insurance' icon.
  • Enter the personal details and submit the form.
  • Select your preferred plan and customize it.
  • Check the premium details.
  • Make an online payment of the premium amount.

Once the payment is done, the policy details will be mailed to your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the best Kotak health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

How To File Kotak Health Insurance Claim?

It is important to have knowledge about the claim process of the insurer so that the customer can avoid any stress during a medical emergency. Below is the complete guide that tells how customers can file claims for their Kotak health insurance policy. Let's have a look.

Cashless Claim Process

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

  • 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.
  • Submit the pre-authorization form, along with the photo identity and health card copies at the hospital desk.
  • The hospital will then contact the company for treatment approval.
  • If approved, the company will settle all the bills and expenses of your treatment.

Reimbursement Claim Process

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

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

Documents Required for Filing Claim

For Cashless Claim:

  • Health card of the insured.
  • All pre-hospital medical papers, reports, and prescriptions.
  • Commencement of the ailment.
  • Policy copy.
  • Photo ID proof (PAN card, passport, election ID, employee ID, driving license).

For Reimbursement Claim:

  • Claim form duly filled and signed by the insured and attending doctor.
  • All treatment papers for the current ailment mentioning the first symptoms and date of occurrence of the ailment, and previous treatment papers.
  • Discharge card from the hospital.
  • Original medical investigation reports.
  • Original bills from the hospital, chemist, or medical practitioner supported by prescriptions.
  • Cancelled cheque, copy of bank passbook/statement, and PAN card of the policyholder.
  • Address proof, ID proof, and 2 recent passport-size photographs.

The claim documents, duly completed, should be submitted at the following address as early as possible, but no later than 30 days from the date of discharge (in case of reimbursement).

Health claims department address:

Family Health Plan Insurance TPA Limited, Srinilaya - Cyber Spazio, Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad: 500034, Telangana, India.

Contact Details Of Kotak Mahindra Health Insurance

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


1800 266 4545 (Toll-free)

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Kotak Health Insurance: FAQs

1. 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.

2. How do I get my policy renewed?

Customers can renew their policy online from the company's website. Process for the same is given below:

  • Visit the official website of Kotak General Insurance Company.
  • Click on the 'Renewal' tab given at the top right of the page.
  • Enter your login details to continue.
  • Select your plan and fill in the required details.
  • Make an online payment of the premium amount.
  • Renewal confirmation information will be sent to the customer's email ID.

Alternatively, customers can also place a free cheque pick-up request by calling the company's toll-free number: +1800 266 4545.

3. How long does it take to process a claim?

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.

4. 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

5. Does my health insurance policy cover expenses due to quarantine?

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.

6. I am a 75 year old senior citizen. Does Kotak Mahindra Health Insurance company provide any dedicated customer care team for the senior citizens?

Yes, the company offers a separate channel for addressing claims and grievances of senior citizens. One can drop their concerns at: seniorcitizen@kotak.com

7. If I get health insurance from Kotak General Insurance, would I Be eligible for any Tax Benefits?

Yes. Premiums paid for Kotak Medical Insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act 1961.

8. Does Kotak Medical Insurance offer Additional riders for enhanced protection?

Yes, one can customize their Kotak Health Insurance plans by paying additional premiums and opting for health insurance riders.

9. How can I track my Kotak health insurance claims status?

To check the claim status of your Kotak Mediclaim follow the below steps:

  • Login on the official website of Family Health Plan Insurance TPA Limited
  • Click on Logins on the home page.
  • Click on Individual/ Retailers
  • Login using your: Username: Your UHID is your username, Password: Your date of birth (in DD/MM/YYYY format) is your password.

10. What will happen if my treatment cost exceeds the sum insured chosen under Kotak Mahindra Health Insurance?

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.

11. Is there any time limit that I need to adhere to while submitting my claim?

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.

12. How can one register a complaint against the services offered by Kotak Mahindra Health Insurance?

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.

13. I entered the wrong date of birth while buying the health insurance policy. What am I supposed to do now?

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.

14. What is not covered under Kotak Mahindra Health Plans?

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.

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

Kotak Health Insurance Reviews

Read what our customers have to say about Kotak health insurance company and Kotak health mediclaim policy.

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February 21, 2022

Very good company. our take care is their 1st priority. Good staff, advisors are educated. listen to our requirement and then help fully

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Vishas Kumar


September 13, 2021

100 ON 100 to this amazing health company. Best health insurance products with the best services. Glad to be your customer. Thumbs Up to you.

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Konkana Sen Gupta


September 13, 2021

Happy to be a proud customer of Kotak Health Insurance Company. With their customer-centricity attitude, the company will soon be the no. 1 health insurance provider.

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Rakshit Bazaz


September 13, 2021

I was very doubtful in the beginning about buying health insurance but Kotak has supported me at my worst, Now I am very thankful to the company for helping its customers with their medical nee...

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Vishwajit Ray


September 13, 2021

Very nice company with a vast variety of health insurance products. I am sure that in any medical need the company will be my saviour.

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Arif Sheikh


September 8, 2021

Nice company with the best health insurance solutions. From young individuals to senior citizens, from health plans to parents to children, everything is available.

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Aishwarya Veer Pratap Chauhan


September 8, 2021

One of the amazing health insurance companies. Impressed with the working ideologies and methodologies. Keep up the good work guys.

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Gayatri Devi


September 8, 2021

I would definitely recommend Kotak Health insurance to literally anyone who is looking to buy a health insurance plan. Go For IT.

View All Kotak Health Insurance Reviews