Kotak Health Premier

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.

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.

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.

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.

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.

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.

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.

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 treatment is not covered by Kotak Health Premier Plan.

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.

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.

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.

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

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

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

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.

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.

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

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

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

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.

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.

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.

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.

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

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

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.

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

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

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

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.