Network hospitals
9000+
Incurred claim ratio
56.01%
Sum insured
Up to 25 Lakh
No. of Plans
17
Solvency Ratio
2.2
Pan India Presence
19
Network hospitals
9000+
Incurred claim ratio
56.01%
Sum insured
Up to 25 Lakh
No. of Plans
17
Solvency Ratio
2.2
Pan India Presence
19
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.
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.
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
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:
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 Covered.
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
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
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
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:
Coverage status under Kotak Health Premier?
Under Kotak Health Premier Plan, the newborn baby cover is available
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Kotak Health Premier?
Under Kotak Health Premier IVF treatment is not covered.
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.
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
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
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
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
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.
Kotak Health Premier Plan has multiple advantages that policyholders can avail after the purchase.
Get tax relief under section 80D
Protect yourself with multiple optional covers
Avail multiple benefits
Attractive discounts
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.
Permanent diseases or health conditions that are not included under Kotak Health Premier Plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
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
Know more about Kotak Health Insurance, its claim process, buying process, and contact details by clicking on the sections below.
Click to know the claim process of Kotak Health Insurance Company.
Click to know the buying process of Kotak Health Insurance Company.
Feel free to contact Kotak Health Insurance for more details.
Family Plan
Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.
Unique Features
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
Standard
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
Critical Illness
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
Personal Accident
The plan is specially designed to cover you and your family in case of an accidental injury, disability, or death.
Unique Features
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
Corona Specific
Corona Kavach policy is a standard individual health insurance policy that protects you against hospitalization expenses that occur due to COVID-19.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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.
Kotak Health Premier comes in multiple variants that offer multiple sum insured options like Standard, Advantage, Edge, Elite, and Absolute variants.
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.
Yes, Kotak Health Premier offers multiple discounts to policyholders.
Yes, Kotak Health Premier has certain co-payments:
Yes, Kotak Health Premier offers maternity cover as well as vaccination and newborn baby cover.
Yes, The policy includes one health check-up for each insured person above 18 years of age for specified tests at no additional cost.
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.
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.
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.
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