Kotak Health Premier Plan
  • Comprehensive coverage
  • Value added benefits
  • Customizable plans
Kotak Health Premier Plan
Network hospitals

Network hospitals

9450+

Incurred claim ratio

Incurred claim ratio

97.61%

Sum insured

Sum insured

Up to 25 L

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.2

Pan India Presence

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

Kotak Health Premier Plan

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 Insurance Detailed Review

Kotak Health Premier Plan

Kotak Health Premier Plan Specifications

To understand Kotak Health Premier Plan Insurance in detail, take a look at the below table:

Entry Age

Minimum 91 days, Maximum 25 years

Policy Type

Individual and Family Health Insurance

Sum Insured

2 L | 5 L | 10 L | 15 L | 25 L | 50 L | 1 Cr | 1.5 Cr | 2 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

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.

Read more specifications in the brochure.

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Choose Your Kotak Health Premier Plan

With wide coverage options available, Kotak Health Premier Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

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

Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

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

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

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

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

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 or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

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

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

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. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

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

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

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

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.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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

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 other Kotak Health Insurance

To cater to the different medical needs of an individual & their family, 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 Kotak Health Insurance plans explore more:

Individual

Kotak Accident Care Plan

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

Kotak Accident Care Plan (Pros)

Kotak Accident Care Plan
  • Children education grant
  • Dead remains transportation
  • Convalescence benefit
  • Accident daily cash benefit

Kotak Accident Care Plan (Cons)

Kotak Accident Care Plan
  • Room rent charges
  • Pre and post-hospitalization
  • Mental disorders
  • Self-inflicted injury

Kotak Accident Care Plan (Other Benefits)

Kotak Accident Care Plan
  • Ambulance charges
  • Accidental death
  • TTD PTD PPD cover

Kotak Accident Care Plan (Eligibility Criteria)

Kotak Accident Care Plan
  • Entry Age 5 to 65 years
  • Sum Insured NA
  • Policy term 1/2/3 years
  • Waiting period NA

Individual

Kotak Group Accident Protect Plan

Kotak Group Accident Protect Plan

It's insurance against adversities caused due to accidents. Accidental deaths were all-time high in 2022! According to the reports of Times of India, ...

Unique Features

  • AD PTD & PPD covers
  • Children’s educational grant
  • Lifestyle modification cover

Kotak Group Accident Protect Plan (Pros)

Kotak Group Accident Protect Plan
  • AD PTD & PPD covers
  • Children educational grant
  • Lifestyle modification cover

Kotak Group Accident Protect Plan (Cons)

Kotak Group Accident Protect Plan
  • Attempt to suicide
  • Death/disablement due to war
  • Breach of law

Kotak Group Accident Protect Plan (Other Benefits)

Kotak Group Accident Protect Plan
  • In-patient hospitalization
  • Ambulance services
  • Daily hospital cash

Kotak Group Accident Protect Plan (Eligibility Criteria)

Kotak Group Accident Protect Plan
  • Entry age- Minimum 18 years
  • Maximum entry age- 80 years
  • Sum Insured- NA
  • Initial waiting period- Covered from day 1

Individual and Family Health Insurance

Kotak Health Premier Plan

Kotak Health Premier Plan

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 ...

Unique Features

  • Comprehensive coverage
  • Value added benefits
  • Customizable plans

Kotak Health Premier Plan (Pros)

Kotak Health Premier Plan
  • In-patient treatment
  • daycare treatment
  • ambulance cover
  • restoration benefit

Kotak Health Premier Plan (Cons)

Kotak Health Premier Plan
  • Global coverage
  • modern treatment
  • IVF cover
  • Adventure sports

Kotak Health Premier Plan (Other Benefits)

Kotak Health Premier Plan
  • maternity benefit
  • cumulative bonus
  • compassionate travel
  • vaccination

Kotak Health Premier Plan (Eligibility Criteria)

Kotak Health Premier Plan
  • 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

Kotak Health Premier Plan: 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 the 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 the 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 by the redemption terms and conditions.

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Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.

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