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Kotak Health Insurance Plans Overview

Kotak health insurance offers 4 health insurance plans. The premium of these plans starts from Rs. 1391/yr. The sum insured ranges from Rs. 2 Lakh - 25 Lakh. Details of the comprehensive coverage provided by the following 4 Kotak health insurance plans are listed below:

Kotak Kotak Accident Care Plan Policy

Starting Premium- ₹ 5,459/Yr

This is a personal accident insurance policy which covers the contingencies which are suffered in an accident.The salient features of the policy are as follows

  1. The coverage is divided into two different sections of A and B
    • Section A covers accidental death, permanent total and partial disablement and temporary total disablement
    • Section B covers other accident-related emergencies. The coverage is allowed for daily cash benefit in case of hospitalisation following an accident, reimbursement of hospitalisation accident and a lump sum convalescence benefit if your hospitalisation exceeds 10 days
  2. There is a range of optional coverage benefits which can be taken under the plan by paying an additional premium.These benefits are carriage of a dead body, disablement improvement benefit, children’s education grant, ambulance charges and funeral costs
  3. A weekly benefit is paid in case of temporary total disablements

Eligible Age

5 years - 65 years

Coverage

NA

Kotak Kotak Health Care Plan Policy

Starting Premium- ₹ 2,943/Yr

This is a health insurance plan which covers your medical expenses on hospitalisation and comes in two coverage variants.The salient features of the plan are as follows

  1. There are two plan variants called Excel and Premium
  2. Annual health check-ups are allowed under the plan free of cost
  3. There are five types of optional add-ons which you can choose from to customise the coverage and make it more comprehensive
  4. You get a premium discount if you choose a long term coverage

Eligible Age

91 days - 65 years

Coverage

2 Lakh - 25 Lakh

This is a comprehensive health insurance plan which covers the actual medical expenses that are incurred on hospitalisation.The features of the plan are as follows

  1. If the sum insured is used up in paying an earlier claim, the policy restores the sum insured by 100% for subsequent claims
  2. Free annual health check-ups are allowed under the plan
  3. You can avail a second medical opinion free of cost from the company’s empanelled medical practitioners
  4. If hospitalisation exceeds 3 continuous days, you also get a daily allowance per day of hospitalisation
  5. A lump sum convalescence benefit is paid if you are hospitalised for more than 10 days
  6. Coverage for home nursing benefit is available after you are discharged from the hospitalMaternity and newborn baby cover are also covered under the plan
  7. There are riders available under the policy to cover critical illnesses or accidental contingencies
  8. You get a range of wellness and fitness benefits under the cover
  9. Premium discounts are also available which help in lowering the premiums

Eligible Age

91 days - 65 years

Coverage

NA

Kotak Top-up Plans

Kotak health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 5,136/yr. The sum insured ranges from Rs. 3 Lakh - 40 Lakh. Kotak top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each Kotak top-up insurance policy below:

Kotak Kotak Health Super Topup Plan Policy

Starting Premium- ₹ 5,136/Yr

This is a super top-up health insurance plan which pays the medical expenses if they exceed the deductible.When buying the plan you have to choose a sum insured and a deductible limit.Thereafter, in a policy year,if the aggregate claims exceed the chosen deductible limit,the plan would be effective and it would pay the claims which exceed the deductible.The features of the plan are as follows

  1. If you have existing coverage, you can buy this policy to increase the sum insured at very affordable premiums
  2. The plan is available on a floater basis covering your whole family under a single sum insured
  3. The sum insured is restored if it is exhausted in any policy year
  4. In case of accidental hospitalisation,you get covered for double the sum insured
  5. There are different plan variants with a different combination of the sum insured and deductible
  6. You also get a no claim bonus if no claims are made in the policy

Eligible Age

18 years - 80 years

Coverage

3 Lakh - 40 Lakh

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FAQs

Kotak health insurance plans allow you premium discounts for buying the policy for 2 or 3 continuous years and paying the premium at one go. There is another discount for covering two or more family members under the same policy. Moreover, under some plans, you can also find a premium discount if you have any other insurance policy offered by Kotak.

The cost of pre-entrance health check-ups is borne by the proposer himself/herself. Thereafter, if the policy is accepted by Kotak and it is issued, 50% or 100% of the costs incurred would be reimbursed by the insurance company.

Pre-existing conditions or illnesses are those health-related complications which the insured already suffers from at the time of buying a fresh policy. Since the insured has an illness at the time of buying the policy, such illness is called a pre-existing illness and it is excluded from coverage for the first 2 to 4 policy years depending on the plan that you select.
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