Zurich Kotak Accident Care Plan

Overview

Out of 1.35 million deaths occurring in road crashes, almost 93% of accidental deaths happen in developing countries like India. This verdict, quoted in a recent news post on May 15, 2024, by the World Economic Forum, highlights a critical issue. To prevent such an event, consider the Zurich Kotak Accident Care plan, which covers all expenses arising from treatment or hospitalization due to an accident. The plan's basic features are categorized into two sections: A and B, which are explained further on this page.

In addition, the insurer will pay for accidental death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), and Temporary Total Disability (TTD) up to the sum insured. Not only this, but the insurer also compensates for the reparations caused due to the accident, aiming to help you maintain a regular lifestyle and focus on your speedy recovery. If the policyholder is incapacitated and unable to earn their regular income (loss of income) after TTD, the company will compensate them weekly for up to a maximum of 100 weeks.

Additionally, the Zurich Kotak Accident Care policy ensures your children's further education (optional cover) by providing aid until they turn 25 years of age. Remember, all benefits under Sections A and B shall be delivered up to a specified limit mentioned in your policy documents. It also pays out to their family for funeral expenses, ambulance charges, and transportation of the insured's dead body to their native residence. Zurich Kotak Accident Care insurance has many more benefits to offer; read on to know what more one can expect from this insurance product.

Key Features

Section A & B Benefits

• Accidental Death
• Permanent Total Disability (PTD)
• Permanent Partial Disability (PPD)
• Temporary Total Disability (TTD)
• Loss of Income (up to 100 weeks)
• Children's Education Benefit (optional, up to age 25)
• Funeral Expenses
• Ambulance Charges
• Transportation of Mortal Remains

Important Notes on Inclusions

• The policy proposer can opt for any of the sections from 1 & 2. Opting for at least one section is mandatory.
• The payouts for either of the sections will be covered up to the highest opted sum insured. Once the compensation/payout is credited to the insured’s account, the policy will be terminated simultaneously.

Exclusions

• Death, accident, or injury caused due to intentional self-injury, suicide, or attempted suicide.
• Alcoholism or drug abuse.
• Warfare or war-like activities.
• Mental, nervous, or emotional disorders.
• Breach of law or unlawful activity.
• Vaccination.
• Change of gender treatments.
• Beauty treatment, dental treatment, eye treatment, plastic surgery (except when caused due to an accidental injury).
• Adventure and risky sports or any other hazardous sports.
• Contamination or issues caused by nuclear fuel, nuclear waste, or nuclear weapon materials.

For a complete list of exclusions, please read the policy wordings attached above thoroughly.

The Zurich Kotak Accident Care policy is an additional layer of protection for you and your family in times of distress. Life is unpredictable, and the scars of an accident can wreak havoc on your family. So, it's better today than later. Safeguard and prepare your loved ones before it’s too late. To know more about the Kotak Accident Care plan, reach out to us at 1800 4200 269.