Kotak Accident Care Plan vs Star Critical Illness Plan Health Insurance Plan 2026 | PolicyX

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The Zurich Kotak Accident Care Plan provides financial protection against the impact of accidents, covering treatment, hospitalization, and various forms of disability or accidental death. It also offers support for loss of income, funeral expenses, and a
PLAN DETAILS

Kotak Accident Care Plan

Star Critical Illness Plan

Product Type Individual Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • Funeral expenses extensions
  • Children’s education grant
  • Lifelong renewability
  • Lump sum payout
  • Accidental hospitalisation cover
  • Non-allopathic treatments cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Not Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Not Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Not Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Not Covered -
Hospital_network
(Number of Hospital Network in city)
22600 14000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Covered -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Covered -
Plan Entry Age Minimum 5 years, Maximum 65 years -
Plan Waiting Period NA -
Plan Coverage Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization reimbursement -
Plan Sample Premium 3,138 -
Plan Brochure Brochure URL -
Policy Term 1, 2, 3 Years -
ICU Charges Not Covered -
Covid-19 Treatment Not Covered -
Cataract Not Covered -
Automatic Restoration Not Covered -
Ayush Treatment Not Covered -
Modern Treatment Not Covered -
E Consultation Not Covered -
Air Ambulance Not Covered -
Global Coverage Not Covered -
Claim Ratio 96.4 99.06
Solvency Ratio 5.73 2.21
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