Kotak Health Insurance
  • Specialized plan to cover accident
  • Pre & Post Natal coverage
  • Numerous plans to buy
Kotak Health Insurance

Network hospitals



Incurred claim ratio



Sum insured

Up to 25 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 25 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


Kotak Health Insurance Company

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.

Recommended Videos

Kotak Health Insurance

Kotak Health Insurance

What does the Kotak Health Insurance Company do?

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.

Some Interesting Facts About Kotak Health Insurance

  • Kotak Mahindra is a big brand in the banking and insurance sector.
  • It was first established in 1985.
  • They collect Rs 742 Cr. annual premiums.
  • Kotak Mahindra Health Insurance is a 100% subsidiary of Kotak Mahindra Bank.
  • They are located in 19 areas of India and have 25 branches in total.

Some of the Awards and Achievements

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.

A Quick Outlook

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 Plans

Kotak Mahindra Health Insurance offers customized health insurance plans and complete health covers. Have a look below.

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


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

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

Why Choose Kotak Mahindra Health Insurance Plan?

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-

  1. Network Hospitals

    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.

  2. Free Health Check Up

    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.

  3. Tax Benefits

    The premiums paid against Kotak Mahindra General Insurance premiums can be claimed for the tax deduction under Section 80D.

  4. Hassle-free Claim Process

    The claim settlement process of Kotak Mahindra health insurance is super fast and hassle-free.

  5. Customer Assistance

    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.

Know What is Covered- Inclusions

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.

Daycare Procedure

The health insurance policy by Kotak Health Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.

Ambulance Facility

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.

Pre-policy Check Up

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.

Recovery Benefit

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.

AYUSH Treatment

The policy allows you to get traditional treatments such as Ayurveda, Yunani, Homeopathic, and much more.

Organ Donor Expenses

The health insurance covers the complete cost of organ donation and transplant surgeries.

Compassionate Visit

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.

Maternity Benefits

The policy covers the medical benefits of the pregnancy to a newborn baby till the baby completes two years.

What is not Covered? - Exclusions


Vaccination except rabies or post-bite will not be included in the policy.

Sports Injuries

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 Immoral Acts

Injuries due to breaking of law or committing immoral acts are not covered under the health insurance policy.

Self-inflicted injuries

Insurance policies do not cover self-inflicted injuries or suicide.

Venereal or sexually transmitted diseases

The policy will not cover any sexually transmitted diseases or venereal diseases.

Cosmetic or obesity surgery

Recreational surgeries will not be covered in the health insurance policy. Plastic surgery coverage will be included only in the case of an accident.

Waiting Period in Kotak Mahindra Health Insurance Company

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:

  • Initial Waiting Period

    This waiting period is experienced in the first 30 days from the policy issuance. You cannot file for a claim except for emergency hospitalization due to an accident.
  • Pre-existing disease waiting period

    As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
  • Specific Diseases Waiting Period

    This period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
  • Maternity Benefit Waiting Period

    Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
  • Mental Illness Waiting Period

    Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.

Factors to Consider While Buying A Health Insurance Policy

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:

  1. Individual or Family Floater Plan

    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.

  2. Cover Amount

    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.

  3. Co-Payment Clause

    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.

  4. Hospital Network

    Always check the list of hospitals included in your policy. Remember the kinds of medical facilities and services you might need in the future.

  5. Waiting Period

    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.

  6. Lifetime Renewal

    You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.

  7. Compare the Premiums

    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.

Why Choose Online Procedure to Buy Health Insurance Policy?

Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:

  • Easy to Compare

    Online platforms give access to compare different health plans at the same place. You can pick the right one for you while comparing the premiums.
  • Buying Insurance within 5 minutes

    At an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
  • 24*7 Customer Service

    The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
  • Instant Quote

    With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.

Benefits of Purchasing at an Early Age

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.

low cost

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 preservatives

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.

Medical Report

You do not need to share your medical bills as the co-payment is not applicable in this case.

How to Buy a Kotak Mahindra Health Insurance Plan?

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 Renew Health Insurance Policy?

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.

  • Step 1

    When you visit the official website of Kotak Mahindra Health Insurance, click on the “Renew existing Policy” box.

  • Step 2

    It will redirect you to the main page, where you need to fill in the policy number and captcha.

  • Step 3

    Review the policy and fill in the details.

  • Step 4

    Now choose the mode of payment and complete the payment.

  • Step 5

    Once the payment is made, your policy will be renewed instantly.


You can directly call our experts to do the work for you: get quotes

How to Claim?

To file a claim you need to follow the below steps. Kotak Mahindra Health Insurance Company offers the easiest way to file a claim.

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.

Claim Process

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.

Documents required while filing the claim

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from the pharmacy
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim

How to Calculate the Premiums?

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.

Choose Policyx for all your Health Insurance Queries

We are-

Why Choose PolicyX.Com

Contact Details

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


1800 266 4545 (Toll-free)

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.

Other Health Insurance Companies

Compare Kotak Health Insurance mediclaim policies with other top insurers in India.

Share your Valuable Feedback

Rating Icon


Rated by 2628 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings