Kotak Health Premier Plan
  • Comprehensive coverage
  • Value added benefits
  • Customizable plans
Kotak Health Insurance
premium

Network hospitals

9000+

premium

Incurred claim ratio

56.01%

premium

Sum insured

Up to 25 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

2.2

premium

Pan India Presence

19

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

9000+

premium

Incurred claim ratio

56.01%

premium

Sum insured

Up to 25 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

2.2

premium

Pan India Presence

19

Kotak Health Premier

Kotak Health Premier is a versatile option when it comes to ensuring the health and wellness of yourself and your loved ones. Kotak Health Premier is a plan that allows policyholders to undergo medical treatments without stressing about breaking the bank. Kotak Health Premier is a comprehensive health insurance policy that comes with protection plus rewards and value-added benefits to help you stay fit.

Kotak Health Premier can be purchased as an individual or family floater policy. Kotak Health Premier Plan provides a lot of attractive features which offer every possible coverage to its customers. The coverage of the plan includes in-patient treatment, daycare treatment, ambulance cover, restoration benefit, maternity benefit, cumulative bonus, and so on.

Kotak Health Premier Plan Specifications

Child Entry Age

91 Days to 25 years

Adult Entry Age

18 Years to 25 years

Sum Insured

2 L | 3 L | 4 L | 5 L| 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr | 1.5 Cr | 2 Cr

Plan Type

Individual/Family Floater

Policy Term

1 / 2 / 3 year

Initial Waiting Period

30 Days

*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.

Read more specifications in the brochure.

Choose your Kotak Health Premier Plan

With comprehensive coverage options, Kotak Health Premier Policy lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Covered up to SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Applicable, up to 100% of SI

Automatic Restoration

Available up to SI

Daily Hospital Cash

Covered

Organ Donor

Covered up to SI

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered Up to SI

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Kotak Health Premier?

Under Kotak Health Premier Plan, the room rent is covered up to the Sum Insured.

What are ICU Charges?

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier Plan, ICU charges are covered up to the Sum Insured.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Kotak Health Premier?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days and 90 days for absolute variant.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Kotak Health Premier?

This plan covers medical expenses incurred during post-hospitalization covers up to 90 days and 180 days absolute variant.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier, domiciliary hospitalization is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Kotak Health Premier?

Kotak Health Premier covers the expenses of daycare treatment up to SI.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Kotak Health Premier?

Kotak Health Premier does not cover OPD charges up to SI.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under Kotak Health Premier?

Covid-19 Covered.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Kotak Health Premier?

Kotak Health Premier Plan does not cover cataract treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Kotak Health Premier?

The cumulative Bonus is available under Kotak Health Premier

  • 10% of the Base Sum Insured, up to a maximum of 50% for each claim-free year for standard and advantage variants.
  • 10% of the Base Sum Insured, up to a maximum of 100% for each claim free year for Edge, Elite and Absolute Variants.
What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier automatic restoration is available up to SI.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Kotak Health Premier?

The daily hospital cash is available under Kotak Health Premier

  • INR 500 per day for Standard and Advantage variants
  • INR 1000 per day for the Edge variant
  • INR 1500 per day for the Elite variant
  • INR 2000 per day for the Absolute variant
What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier, organ donor expenses are covered up to SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Kotak Health Premier?

Under the Kotak Health Premier Plan, maternity expense is covered

  • Up to INR 25k and 50k for Edge and Elite plan variant as an optional cover
  • Up to INR 50k for the Absolute plan variant
What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Kotak Health Premier?

Under Kotak Health Premier Plan, the newborn baby cover is available

  • For Edge and Elite plan variants as an optional cover up to SI
  • For Absolute plan variant covered within maternity benefit up to SI
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Kotak Health Premier?

Covered Under Kotak Health Premier up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Kotak Health Premier?

Under Kotak Health Premier IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier Plan, Ambulance expense is covered.

  • Up to INR 20k for Standard, Advantage, Edge, and Elite plan variants
  • Up to INR 50k for Absolute plan variant
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under National Arogya Sanjeevani Plan?

Under Kotak Health Premier Plan, Air Ambulance is covered

  • Optional Cover Upto 10% of Base Sum Insured for Edge plan variant
  • Upto 10% of Base Sum Insured and subject to a maximum of 5 L for Elite and Absolute plan variants
What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier compassionate plan is covered

  • Optional Cover Upto INR 20k for Standard, Advantage, Edge, and Elite plan variants
  • Upto INR 20k for Absolute plan variant
What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier Global coverage is not available.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier e-consultation is covered as value added benefits.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier, a health checkup is covered for each Insured individual above 18 years of age, each policy year for specified tests.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Kotak Health Premier?

Under the Kotak Health Premier second medical opinion is covered.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Kotak Health Premier?

Under Kotak Health Premier Plan, vaccination expenses are covered

  • Up to INR 5k for Edge plan variant (optional cover)
  • Up to INR 7k for Elite plan variant (optional cover)
  • Up to INR 10k for Absolute plan variant
What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Kotak Health Premier?

Applicable, In case of treatment taken in a city, in a Zone higher than the eligible Zone

  • If treatment is applicable in zone 2 and is taken in zone 1 - 10% co-payment
  • If treatment is applicable in zone 3 and is taken in zone 1 - 20% co-payment
  • If treatment is applicable in zone 3 and is taken in zone 2 - 10% co-payment
What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Kotak Health Premier?

Applicable under the plan.

Other Health Insurance Companies

Kotak Health Premier Plan Benefits

Kotak Health Premier Plan has multiple advantages that policyholders can avail after the purchase.

Tax Benefits

Get tax relief under section 80D

Optional Covers

Protect yourself with multiple optional covers

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Optional Covers

Kotak Health Premier Plan offers multiple optional coverages like Home Nursing Benefit, Maternity benefit, New Born Baby benefit, critical illness cover, and more.

Value-Added Benefits

With Kotak Health Premier you can avail of multiple value-added benefits such as e-consultations, Dietician/Nutritionist opinions, online pharmacy, and more.

Discounts

Avail long-term discounts of 2.5% and 5% for 2 and 3-year policies respectively. Family discount of up to 5% for 2 or more than 2 eligible family members.

Kotak Health Premier Plan Exclusions

Permanent diseases or health conditions that are not included under Kotak Health Premier Plan are:

Permanent Exclusions

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

Intentional self-injury

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 48/36/24 months

Explore Kotak Health Premier

Know more about Kotak Health Insurance, its claim process, buying process, and contact details by clicking on the sections below.

Explore other Kotak Health Insurances

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

Comprehensive

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

Standard

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%

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

Top-up

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

Kotak Health Premier: FAQs

1. What is the entry age to purchase Kotak Health Premier Plan?

The eligibility age for an insured individual is 18 years to 65 years for adults and 91 days to 25 years for a dependent child.

2. What are the sum insured options within Kotak Health Premier?

Kotak Health Premier comes in multiple variants that offer multiple sum insured options like Standard, Advantage, Edge, Elite, and Absolute variants.

3. What relationships can be covered under Kotak Health Premier Plan?

The Kotak Health Premier Plan offers coverage to different relations such as Self, Spouse, Natural or Adopted Dependent Children, Dependent Parents, Parents in Laws, and Siblings.

4. Does Kotak Health Premier Plan offer any discounts?

Yes, Kotak Health Premier offers multiple discounts to policyholders.

  • Avail long-term discounts of 2.5% and 5% for 2 and 3-year policies respectively
  • Family discount of up to 5% for 2 or more than 2 eligible family members.

5. Does Kotak Health Premier have any co-payments?

Yes, Kotak Health Premier has certain co-payments:

  • If treatment is applicable in zone 2 and is taken in zone 1 - 10% co-payment
  • If treatment is applicable in zone 3 and is taken in zone 1 - 20% co-payment
  • If treatment is applicable in zone 3 and is taken in zone 2 - 10% co-payment.

6. Does Kotak Health Premier offer maternity coverage?

Yes, Kotak Health Premier offers maternity cover as well as vaccination and newborn baby cover.

7. Do policyholders get health check-ups covered under Kotak Health Premier Plan?

Yes, The policy includes one health check-up for each insured person above 18 years of age for specified tests at no additional cost.

8. Are pre-medical check-ups necessary for Kotak Health Premier Plan?

Yes, policyholders have to undergo certain medical tests that will be facilitated by and conducted at a listed network of diagnostic centers. The validity of such tests will be up to 30 days. Kotak Health Premier will reimburse 50% of the cost of such pre-insurance medical tests.

9. What are the optional covers available under Kotak Health Premier Plan?

The policy comes with a host of other covers which are inbuilt or available as optional covers such as daily hospital cash, convalescence benefit, nursing benefit, compassionate visit, air ambulance, and more.

10. Does a policyholder get rewards and benefits under Kotak Health Premier?

Yes, Kotak Health Premier does offer reward points for taking care of your health/ fitness through regular preventative and fitness habits. These earned points can be redeemed in accordance with the redemption terms and conditions.

Read Reviews & Ratings

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pritam

Jalandhar

February 21, 2022

Very good company. our take care is their 1st priority. Good staff, advisors are educated. listen to our requirement and then help fully

Customer Review Image

Vishas Kumar

Chandigarh

September 13, 2021

100 ON 100 to this amazing health company. Best health insurance products with the best services. Glad to be your customer. Thumbs Up to you.

Customer Review Image

Konkana Sen Gupta

Chandigarh

September 13, 2021

Happy to be a proud customer of Kotak Health Insurance Company. With their customer-centricity attitude, the company will soon be the no. 1 health insurance provider.

Customer Review Image

Rakshit Bazaz

Jaipur

September 13, 2021

I was very doubtful in the beginning about buying health insurance but Kotak has supported me at my worst, Now I am very thankful to the company for helping its customers with their medical nee...

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Vishwajit Ray

Lukhnow

September 13, 2021

Very nice company with a vast variety of health insurance products. I am sure that in any medical need the company will be my saviour.

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Arif Sheikh

Lukhnow

September 8, 2021

Nice company with the best health insurance solutions. From young individuals to senior citizens, from health plans to parents to children, everything is available.

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Aishwarya Veer Pratap Chauhan

Jaipur

September 8, 2021

One of the amazing health insurance companies. Impressed with the working ideologies and methodologies. Keep up the good work guys.

Customer Review Image

Gayatri Devi

Agra

September 8, 2021

I would definitely recommend Kotak Health insurance to literally anyone who is looking to buy a health insurance plan. Go For IT.

View All Kotak Mahindra Health Insurance Reviews