Buy Kotak Mahindra Health Insurance | Compare & Get Online Discounts

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Updated on Jul 02, 2025 8 min read

Zurich Kotak Health Insurance Company

Zurich Kotak General Insurance is a 70:30 joint venture between Zurich Insurance Group and Kotak Mahindra Bank. The Company got its new name ‘’Zurich Kotak General Insurance Company (India) Limited’’ in August 2024, following Zurich Insurance Group’s 70% acquisition of Kotak Mahindra General Insurance Company Limited.

What does the Zurich Kotak Health Insurance Company do?

Zurich Kotak Health Insurance Company offers a comprehensive range of health insurance plans. These plans fulfill the needs of different sections of society with specialized curated products. You can choose the best Zurich Kotak Health Insurance for yourself and your family.

11,200+

Network
Hospitals

96.76%

Claim
Settlement Ratio

2.2

Solvency
Ratio

UP TO 25 Lakh

Sum
Insured

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

Zurich Kotak Mahindra is a big brand in the banking and insurance sector.
2

It was first established in 1985.
3

Emergency air ambulance services
4

They collected Rs 742 Cr. in annual premiums.
5

Kotak Mahindra Health Insurance is a 100% subsidiary of Kotak Mahindra Bank.
6

They are located in 19 areas of India and have 25 branches.

Zurich Kotak health insurance awards and accolades

'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, a 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.

Zurich Kotak Health Insurance Detailed Review

Why Do We Exist?

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Best Selling Zurich Kotak Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual

Zurich Kotak Health Insurance Plans	Eligibility	Approximate Annual Premiums
Zurich Kotak Group Accident Protect Plan	Entry Age - Sum Insured - Up to 0	Rs.
Zurich Kotak Accident Care Plan	Entry Age - Sum Insured - Up to 0	Rs.

Individual and Family Health Insurance

Zurich Kotak Health Insurance Plans	Eligibility	Approximate Annual Premiums
Zurich Kotak Health Premier Plan	Entry Age - Sum Insured - Up to 0	Rs.

Group Health Insurance

Zurich Kotak Health Insurance Plans	Eligibility	Approximate Annual Premiums
Zurich Kotak Group Health Care Policy	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of Zurich Kotak Health Insurance

Let us take a look at some unique features of top-selling Zurich Kotak Health Insurance policies:

For Individual

Zurich Kotak Group Accident Protect Plan
Zurich Kotak Accident Care Plan

Zurich Kotak Group Accident Protect Plan

The Zurich Kotak Group Accident Care Plan offers accidental protection to individual insured members for any sort of medical expenses related to accidental injury, death, etc.

Why Do We Recommend This?

Children education grant
Accidental injury/ fatalities that require in-patient hospitalization
Temporary, partial, and total disablement

For Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Zurich Kotak Health Premier Plan

Zurich Kotak Health Premiere Plan is a comprehensive health insurance that covers in-patient hospitalization, daycare procedure treatments, ambulance services, and other basic healthcare expenses.

Why Do We Recommend This?

Avail domiciliary hospitalization
Maternity-related medical expenses cover
Compassionate travel is covered

For Group Health Insurance

Zurich Kotak Group Health Care Policy

Zurich Kotak Group Health Care Policy

This plan is specially designed for the active customers of Kotak Mahindra Bank Limited to cover basic healthcare needs.

Why do we recommend this?

Emergency ambulance cover
Domiciliary hospitalization
Obesity treatment unavailable

Explore other Zurich Kotak Health Insurance

To cater to the different medical needs of an individual & their family, Zurich Kotak Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Zurich Kotak Health Insurance plans explore more:

Individual

Zurich Kotak Group Accident Protect Plan

It's insurance against adversities caused due to accidents. The Union Minister of Road Transport and Highways, Nitin Gadkari, revealed that over 4.8...

Unique Features

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

Zurich Kotak Group Accident Protect Plan (Pros)

Accident Cover
Accidental Death
Disability Cover

Zurich Kotak Group Accident Protect Plan (Cons)

Adventure Sports
Illegal activities
Obesity Treatments

Zurich Kotak Group Accident Protect Plan (Other Benefits)

Permanent Total Disability
Partial Disability
Children education

Zurich Kotak Group Accident Protect Plan (Eligibility Criteria)

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

Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Zurich Kotak Health Premier is a versatile option when it comes to ensuring the health and wellness of yourself and your loved ones. Zurich ...

Unique Features

Comprehensive coverage
Value added benefits
Customizable plans

Zurich Kotak Health Premier Plan (Pros)

In-patient treatment
daycare treatment
ambulance cover
restoration benefit

Zurich Kotak Health Premier Plan (Cons)

Global coverage
modern treatment
IVF cover
Adventure sports

Zurich Kotak Health Premier Plan (Other Benefits)

maternity benefit
cumulative bonus
compassionate travel
vaccination

Zurich Kotak Health Premier Plan (Eligibility Criteria)

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

Individual

Zurich Kotak Accident Care Plan

Out of 1.35 million deaths happening in road crashes, almost 93% of the accidental deaths occur in averagely developed countries like India. We're not...

Unique Features

Funeral expenses extensions
Children’s education grant
Lifelong renewability

Zurich Kotak Accident Care Plan (Pros)

Children education grant
Dead remains transportation
Convalescence benefit
Accident daily cash benefit

Zurich Kotak Accident Care Plan (Cons)

Room rent charges
Pre and post-hospitalization
Mental disorders
Self-inflicted injury

Zurich Kotak Accident Care Plan (Other Benefits)

Ambulance charges
Accidental death
TTD PTD PPD cover

Zurich Kotak Accident Care Plan (Eligibility Criteria)

Entry Age 5 to 65 years
Sum Insured NA
Policy term 1/2/3 years
Waiting period NA

Group Health Insurance

Zurich Kotak Group Health Care Policy

Kotak Group Health Care insurance plan is specially designed to cater to the healthcare needs of active group members of Kotak Mahindra Bank Limited. ...

Unique Features

Domiciliary treatment cover
Get wellness benefits
Optional covers available

Zurich Kotak Group Health Care Policy (Pros)

Domiciliary hospitalization
Daycare procedures
Donor expenses
In-patient treatment care

Zurich Kotak Group Health Care Policy (Cons)

Obesity treatment unavailable
Breach of law
Cosmetic surgery
Maternity not covered

Zurich Kotak Group Health Care Policy (Other Benefits)

Room rent capping
AYUSH cover
Wellness benefits

Zurich Kotak Group Health Care Policy (Eligibility Criteria)

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

Why Choose Zurich Kotak Health Insurance?

Zurich 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 Zurich Kotak Mahindra Health Insurance as your health insurance partner.

More than 11,200 networking hospitals across India
24X7 customer support for easy claim settlement
Free health check-ups
The claim settlement process is super fast and hassle-free
Tax benefits under Section 80D of the Income Tax Act

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 us check out some of the vital factors that you should consider before buying a health insurance policy:

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.
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.
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.
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.
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.
Lifetime Renewal

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

What is Covered?

Pre and Post Hospitalization Expenses

Zurich Kotak Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

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

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.

Day Care Treatments

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

What is not Covered?

Self Inflicted Injuries

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

Cosmetic Procedures

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

Adventure Sports

Injuries caused by any kind of sports will not be included.

Obesity or Weight Control Treatments

Zurich Kotak Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Zurich Kotak health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

Zurich Kotak Health Insurance Plans Buying Process

If you are looking forward to purchasing Zurich Kotak Health insurance online follow the simple steps below:

Step 1
Visit the website of Zurich Kotak General Insurance.
Step 2
Click on the 'Health Insurance' icon. Enter your details and submit the form.
Step 3
Select your preferred plan and customize it. Check the premium details.
Step 4
Make an online payment of the premium amount. Once the payment is done, the policy details will be mailed to your registered email address.

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 Zurich 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.
Step 2
Review the policy, fill in the details, choose the mode of payment and complete the payment.
Step 3
Once the payment is made, your policy will be renewed instantly.

Connect with our insurance experts for Kotak health insurance policy renewal at 1800 - 4200 - 269.

How To Port To Zurich Kotak Health Insurance?

To port your existing policy to Zurich Kotak Health Insurance, follow the steps mentioned below:

Step 1
Fill out the portability form, and send the application to Zurich Kotak Health Insurance Company 45 days before the date of your existing health plan renewal.
Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore Zurich Kotak Health Insurance

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 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.

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Compare mediclaim policies with other top insurers in India.

Zurich Kotak Health Insurance

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Zurich Kotak Health Insurance Company

What does the Zurich Kotak Health Insurance Company do?

Zurich Kotak health insurance awards and accolades

Zurich Kotak Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

Best Selling Zurich Kotak Health Insurance Plans

Individual

Individual and Family Health Insurance

Group Health Insurance

Key Features Of Zurich Kotak Health Insurance

For Individual

Why Do We Recommend This?

Why Do We Recommend This?

For Individual and Family Health Insurance

Why Do We Recommend This?

For Group Health Insurance

Why do we recommend this?

Explore other Zurich Kotak Health Insurance

Zurich Kotak Group Accident Protect Plan (Pros)

Zurich Kotak Group Accident Protect Plan (Cons)

Zurich Kotak Group Accident Protect Plan (Other Benefits)

Zurich Kotak Group Accident Protect Plan (Eligibility Criteria)

Zurich Kotak Health Premier Plan (Pros)

Zurich Kotak Health Premier Plan (Cons)

Zurich Kotak Health Premier Plan (Other Benefits)

Zurich Kotak Health Premier Plan (Eligibility Criteria)

Zurich Kotak Accident Care Plan (Pros)

Zurich Kotak Accident Care Plan (Cons)

Zurich Kotak Accident Care Plan (Other Benefits)

Zurich Kotak Accident Care Plan (Eligibility Criteria)

Zurich Kotak Group Health Care Policy (Pros)

Zurich Kotak Group Health Care Policy (Cons)

Zurich Kotak Group Health Care Policy (Other Benefits)

Zurich Kotak Group Health Care Policy (Eligibility Criteria)

Recommended Videos

Why Choose Zurich Kotak Health Insurance?

Factors to Consider While Buying A Health Insurance Policy

Individual or Family Floater Plan

Cover Amount

Co-Payment Clause

Hospital Network

Waiting Period

Lifetime Renewal

Compare the Premiums

Why Choose Online Procedure to Buy Health Insurance Policy?

Easy to Compare

Buying Insurance within 5 minutes

24*7 Customer Service

Instant Quote

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Recovery Benefit

Day Care Treatments

Compassionate Visit

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

Zurich Kotak Health Insurance Plans Buying Process

How to Renew Health Insurance Policy?

How To Port To Zurich Kotak Health Insurance?

How To Calculate Zurich Kotak Health Insurance Policy Premiums?

Health Insurance Premium Calculator

More Queries?

Explore Zurich Kotak Health Insurance

Kotak Health Insurance: FAQs

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

2. How do I get my policy renewed?

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

4. Does Kotak Health Premier offer maternity cover?

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

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

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