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Kotak Group Accident Protect Health Plan
NA
VS
Star Group Health Insurance
It's insurance against adversities caused by accidents.
The Union Minister of Road Transport and Highways, Nitin Gadkari, revealed that over 4.8 lakh road accidents occurred on India's roads in 2024, resulting in 1.72 lakh fatalities. Furthermore, crashes increased by 4.2%, and fatalities increased by 2.6% compared to previous years.
Given the situation, these cases do not show any shortfall. So, it is better to buy accidental coverage insurance now than later. Zurich Kotak Group Accident Protect insurance is a health insurance plan that offers coverage for accidental death, temporary partial and total disability, children's educational grants, inpatient hospitalization caused by accidents, and more.
This page discusses all the coverage benefits related to the Zurich Kotak Group Accident Protect plan. Read on to learn more.
| PLAN DETAILS |
Kotak Group Accident Protect Health Plan |
Star Group Health Insurance |
| Premium Including GST | ||
| Product Type | Individual | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not 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 | Not 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 | 14000 |
| 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) |
Not Covered | Not 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 | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Covered |
| Plan Entry Age | 5 years to 65 Years | Any age can enter this policy |
| Plan Premium Entry Age and S/A | Not Available | NA |
| Plan Waiting Period | NA | Coverage from day 1 |
| Plan Coverage | Individual | Group Health |
| Plan Sample Premium | NA | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1 Year |
| ICU Charges | Not Covered | Not Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.4 | 99.06 |
| Solvency Ratio | 5.73 | 2.21 |
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