Zurich Kotak Group Accident Protect Plan

The Zurich Kotak Group Accident Care Plan offers accidental ...Read More

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Updated on Jul 28, 2025 3 min read

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 Lakh road accidents occurred on India's roads in 2024, resulting in 1.72 lakh fatalities. Furthermore, crashes increased by 4.2%, and fatalities increased by 2.6% compared to previous years.

Given the situation, these cases do not show any shortfall. So, it is better to buy accidental coverage insurance now than later. Zurich Kotak Group Accident Protect insurance is a health insurance plan that offers coverage for accidental death, temporary partial and total disability, children's educational grants, inpatient hospitalization caused by accidents, and more.

This page discusses all the coverage benefits related to the Zurich Kotak Group Accident Protect plan. Read on to learn more.

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Zurich Kotak Group Accident Protect Plan Specifications

To understand Zurich Kotak Group Accident Protect Plan Insurance in detail, take a look at the below table:

Entry Age

5 years to 65 Years

Policy Type

Individual

Sum Insured

25 L

Initial Waiting Period*

NA Days

Renewability

Policy Term

1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Specifications of Zurich Kotak Group Accident Protect Plan

Specifications	Zurich Kotak Group Accident Protect Plan
Accidental Death	In case of the insured’s death due to an accident, the insurer will pay out the specified sum insured amount to their nominee or dependants if the claim is made within 12 months of the accident.
Permanent Total Disablement (PTD)	Suppose, the insured has met with an accident that caused him a permanent total disability, the company will compensate for the loss upto a specified limit, given the claim is raised within 12 months from the date of the accident.
Permanent Partial Disablement (PPD)	In such scenarios of permanent partial disability, there will be a payout for the loss if the insured claims within 12 months of the accident. The maximum sum insured payable is not more than 100% of the specified conditions.
In-patient accidental hospitalization	Any illness or injury caused due to an accidental event will be covered for its treatment expenses or medical hospitalization care specified as per week expenses (should not exceed 100 weeks in the policy term).
Modification of residence/vehicle	In case the insured person needs any modification in his residence or vehicle after a permanent disability, the policy covers lifestyle changes.
Children education grant	The insurer covers education or course fee expenses related to the insured’s dependent children. The maximum payout for an educational grant will be upto 100% of the sum insured (the maximum age specified as 25 years for dependent children).

Zurich Kotak Group Accident Protect Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Kotak Group Accident Protect Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Connecting The Dots

A mishap like death/disability caused due to an unfortunate accident is not easy to handle for a family. It not only impacts the future of the individual suffering from the event but their family suffers too. Isn’t it better to be prepared? Of course, having an accidental insurance plan like Zurich Kotak Group Accident Protect policy offers extended coverage benefits related to accidents. For more information about the policy, reach out to our health insurance experts at PolicyX.com at 1800 4200 269 or click on Get a Quote to get your queries resolved.

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

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.

Zurich Kotak Group Accident Protect: FAQs

1. Can I buy a Kotak Group Accident Protect plan to cover accidental death?

Yes. Also, coverage benefits will be given to the insured in case of PTD and PPD.

2. Will this plan provide my children with an educational grant?

Yes, it’ll provide the educational/course fee of your child (upto 1 L) when you’re not around or not able to manage it after an accidental event.

3. What kind of health insurance is Kotak Group Accident Protect plan?

It’s an accidental insurance that offers coverage for accidental death or disablement etc.

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Zurich Kotak Group Accident Protect Plan

Why Do We Exist?

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Zurich Kotak Group Accident Protect Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Specifications of Zurich Kotak Group Accident Protect Plan

Zurich Kotak Group Accident Protect Plan Exclusions

Permanent Exclusions

Connecting The Dots

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)

Health Insurance Premium Calculator

Zurich Kotak Group Accident Protect: FAQs

1. Can I buy a Kotak Group Accident Protect plan to cover accidental death?

2. Will this plan provide my children with an educational grant?

3. What kind of health insurance is Kotak Group Accident Protect plan?

Explore Zurich Kotak Health Insurance

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Written By: Simran Kaur Vij

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