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Overview
The Kotak Group Health Care insurance plan is specially designed to cater to the healthcare needs of active group members of Kotak Mahindra Bank Limited. It also provides the same facilities to their dependents, as per the requirements outlined in the policy documents.
The plan covers in-patient, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and other benefits. Additionally, the optional covers under this plan make it more versatile and offer coverage options beyond the base covers.
Read further to know more about the Kotak Group Health Care plan and stay informed if you are already an active member of Kotak Mahindra Bank.
Specifications of Kotak Group Health Care Policy
Here are the coverage specifications of the Kotak Group Health Care policy:
| Specifications | Clause Details |
|---|---|
| Base Covers | |
| In-patient treatment | Up to SI |
| Daycare treatment | Up to SI |
| Pre-hospitalization medical expenses | 60 days |
| Post-hospitalization medical expenses | 90 days |
| Emergency ambulance | Up to INR 20,000 per event |
| Domiciliary hospitalization | Covered |
| Donor expenses | Covered |
| Optional Covers | |
| Room rent capping | Up to 1% of SI for normal rooms Up to 2% of SI for ICU rooms |
| AYUSH (alternative treatment) | Up to INR 1 Lakh |
| Wellness benefits | Health check-up and report evaluation (one annual health check-up) |
Note: This table is taken from the official website of Kotak and it is not a full representation of coverage benefits. To know more about the specifications, please read the policy wordings attached above thoroughly.
Exclusions
Permanent diseases or health conditions not included under the Kotak Group Health Care Policy are:
- Investigation and Evaluation
- Rest cure, rehabilitation, and respite care
- Obesity or weight control
- Change of gender treatments
- Hazardous or adventure sports
- Breach of law
- Unproven treatments
- Sterility and infertility
- Excluded providers
- Cosmetic or plastic surgery
To Summarize
If you are an active member of Kotak Mahindra Bank Limited, this policy offers an additional layer of protection for you. To know more details about the Kotak Group Health Care plan, reach out to us at 1800 4200 269.
