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Zurich Kotak Health Premier is a versatile option for ensuring the health and wellness of yourself and your loved ones. It allows policyholders to undergo medical treatments without financial stress. This comprehensive health insurance policy offers protection, rewards, and value-added benefits to help you stay fit.
Zurich Kotak Health Premier can be purchased as an individual or family floater plan. The plan includes in-patient treatment, daycare treatment, ambulance cover, restoration benefit, maternity benefit, cumulative bonus, and more.
| PLAN DETAILS |
Health Premier Plan |
Super Star Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
22600 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | Minimum 91 days, Maximum 25 years | Individual 18 years to No limit, Floater 91 days to 25 years |
| Plan Premium Entry Age and S/A | 9950 | 7896 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual & family floater cover | Individual and family cover |
| Plan Sample Premium | 4,280 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2,3 Years | 1, 2, 3, 4, 5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.4 | 99.06 |
| Solvency Ratio | 5.73 | 2.21 |
|
Star Health Super Star Insurance REVIEW | Star Health Insurance | Star Super Star Plan |
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