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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 claiming this verdict, it's quoted in a recent news post on the 15th of May 2024 of the World Economic Forum. If you want to prevent such an event, own a shield from the Zurich Kotak Accident Care plan that covers all expenses arising from treatment/hospitalization due to an accident. The plan's basic features are categorized into two sections- A & B which you'll learn further on this page.
In addition, the insurer will pay for your accidental death, PTD, PPD, and TTD up to the sum insured. Not only this, the insurer also compensates for the reparations caused due to the accident aiming to help you support a regular lifestyle and focus on your speedy recovery. If the policyholder is incapacitated to earn their regular income (loss of income), after TTD, the company will compensate them weekly for up to a maximum of 100 weeks.
Additionally, the Zurich Kotak Accident Care policy ensures your children's further education (optional cover) by giving them aid till they turn 25 years of age. Remember, all the benefits under Sections A & B shall be delivered up to a specified limit mentioned in your policy's documents. It also pays out to their family for funeral expenses, ambulance charges, transportation of the insured's dead body to their native residence, and so on. This is not yet done! Zurich Kotak Accident Care insurance has many more benefits to offer, read on to know what more one can expect from this insurance product.
| PLAN DETAILS |
Kotak Accident Care Plan |
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Bajaj General Herizon Care |
| Product Type | Individual | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
22600 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not 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.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Available |
| Plan Entry Age | Minimum 5 years, Maximum 65 years | Adults: 18 – 80 years, Children: 90 days – 35 years |
| Plan Premium Entry Age and S/A | 3,138 | 2845 |
| Plan Waiting Period | NA | 30 |
| Plan Coverage | Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization reimbursement | Maternity & pregnancy expenses, infertility treatment & assisted reproductive technology, critical illness cover for women-specific diseases, hospitalization & day care procedures, newborn & baby care cover, mental health & emotional wellness support. |
| Plan Sample Premium | 3,138 | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1/2/3/4/5 years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.4 | 99.23 |
| Solvency Ratio | 5.73 | 3.25 |
|
Ultimate Review Of Kotak Accident Care Plan 2024 |
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