Kotak Health Insurance
Kotak Health Insurance Company offers a comprehensive range of health insurance plans. These plans fulfil the needs of different sections of society w...Read More
Network hospitals
9450+
Incurred claim ratio
97.61%
Sum insured
Up to 25 L
No. of Plans
3
Solvency Ratio
2.2
Pan India Presence
19+
Kotak Health Insurance Company
Kotak General Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd., the fastest-growing bank. Kotak General Insurance got the license in November 2015. The company has spread across 25 branches and has 1339 employees. Kotak General Insurance values its customer service, innovation, and quality above anything.
What does the Kotak Health Insurance Company do?
Kotak Health Insurance Company offers a comprehensive range of health insurance plans. These plans fulfil the needs of different sections of society with specialized curated products. You can choose the best Kotak Health Insurance for yourself and your family.
What are some of the
Features
that set them apart?
-
1
Kotak Mahindra is a big brand in the banking and insurance sector.
-
2
It was first established in 1985.
-
3
Emergency air ambulance services
-
4
They collected Rs 742 Cr. in annual premiums.
-
5
Kotak Mahindra Health Insurance is a 100% subsidiary of Kotak Mahindra Bank.
-
6
They are located in 19 areas of India and have 25 branches.
Kotak health insurance awards and accolades
- 'Marketer company of the year by India Insurance Summit & Awards 2020.'
- 'ANA ECHO International Awards 2020, USA - Bronze, Consumer Services.'
- 'Brand Equity Shark Awards 2019 - Silver, best consumer insights campaign.'
- India Digital Media Awards 2019 - Silver, a Special award for gender parity.
- '2 Silvers in the 'Best Consumer Engagement & Best in Financial Service' category by DMAi ASIA ECHO AWARDS in 2019.
- '3 Bronze in 'Best Use of Social Media, Innovative Use of Technology & best in Consumer Services' category by DMAi ASIA ECHO AWARDS in 2019.
Kotak Health Insurance Detailed Review
Best Selling Kotak Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual
Kotak Health Insurance Plans Eligibility Approximate Annual Premiums Kotak Accident Care Plan Entry Age - Minimum 5 years, Maximum 65 years
Sum Insured - Up to NARs. NA
Kotak Group Accident Protect Plan Entry Age - Minimum 18 years, Maximum 80 years
Sum Insured - Up to NARs. NA
-
Individual and Family Health Insurance
Kotak Health Insurance Plans Eligibility Approximate Annual Premiums Kotak Health Premier Plan Entry Age - Minimum 91 days, Maximum 25 years
Sum Insured - Up to 2 CrRs. NA
Key Features Of Kotak Health Insurance
Let us take a look at some unique features of top-selling Kotak Health Insurance policies:
For Individual
Kotak Accident Care Plan
Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.
Why Do We Recommend This?
- Avail cataract treatments for covered members
- Emergency domestic evacuation is available from the hospital you are availing treatment from to another hospital
- Avail coverage for travel expenses of an immediate family member of the patient
For Individual and Family Health Insurance
Kotak Health Premier Plan
Kotak Health Premiere Plan is a comprehensive health insurance that covers in-patient hospitalization, daycare procedure treatments, ambulance services, and other basic healthcare expenses.
Why Do We Recommend This?
- Avail domiciliary hospitalization
- Maternity-related medical expenses cover
- Compassionate travel is covered
Explore other Kotak Health Insurance
To cater to the different medical needs of an individual & their family, Kotak Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Kotak Health Insurance plans explore more:
Individual
Out of 1.35 million deaths happening in road crashes, almost 93% of the accidental deaths occur in averagely developed countries like India. We’...
Unique Features
- Funeral expenses extensions
- Children’s education grant
- Lifelong renewability
Kotak Accident Care Plan (Pros)
- Children education grant
- Dead remains transportation
- Convalescence benefit
- Accident daily cash benefit
Kotak Accident Care Plan (Cons)
- Room rent charges
- Pre and post-hospitalization
- Mental disorders
- Self-inflicted injury
Kotak Accident Care Plan (Other Benefits)
- Ambulance charges
- Accidental death
- TTD PTD PPD cover
Kotak Accident Care Plan (Eligibility Criteria)
- Entry Age 5 to 65 years
- Sum Insured NA
- Policy term 1/2/3 years
- Waiting period NA
Individual
It’s insurance against adversities caused due to accidents. Accidental deaths were all-time high in 2022! According to the reports of Times of I...
Unique Features
- AD PTD & PPD covers
- Children’s educational grant
- Lifestyle modification cover
Kotak Group Accident Protect Plan (Pros)
- AD PTD & PPD covers
- Children educational grant
- Lifestyle modification cover
Kotak Group Accident Protect Plan (Cons)
- Attempt to suicide
- Death/disablement due to war
- Breach of law
Kotak Group Accident Protect Plan (Other Benefits)
- In-patient hospitalization
- Ambulance services
- Daily hospital cash
Kotak Group Accident Protect Plan (Eligibility Criteria)
- Entry age- Minimum 18 years
- Maximum entry age- 80 years
- Sum Insured- NA
- Initial waiting period- Covered from day 1
Individual and Family Health Insurance
Kotak Health Premier is a versatile option when it comes to ensuring the health and wellness of yourself and your loved ones. Kotak Health Premier is ...
Unique Features
- Comprehensive coverage
- Value added benefits
- Customizable plans
Kotak Health Premier Plan (Pros)
- In-patient treatment
- daycare treatment
- ambulance cover
- restoration benefit
Kotak Health Premier Plan (Cons)
- Global coverage
- modern treatment
- IVF cover
- Adventure sports
Kotak Health Premier Plan (Other Benefits)
- maternity benefit
- cumulative bonus
- compassionate travel
- vaccination
Kotak Health Premier Plan (Eligibility Criteria)
- Entry age 18 years (min) - 65 years (max)
- SI 2 Lakh to 2 Crore
- Initial waiting period 30 days
- Policy period 1/2/3 years
Recommended Videos
Kotak Health Insurance
Why Choose Kotak Health Insurance?
Kotak Mahindra Health Insurance Company is famous for creating products that are flexible enough to meet the requirements of their varied customers. There are several benefits to choosing Kotak Mahindra Health Insurance as your health insurance partner.
- More than 7200 networking hospitals across India
- 24X7 customer support for easy claim settlement
- Free health check-ups
- The claim settlement process is super fast and hassle-free
- Tax benefits under Section 80D of the Income Tax Act
Factors to Consider While Buying A Health Insurance Policy
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let us check out some of the vital factors that you should consider before buying a health insurance policy:
-
Individual or Family Floater Plan
When choosing a plan your first step is to check whether your requirement is for yourself or your family. Most of the time family floater plans benefit those who want to secure their family as it is cheaper than the individual one.
-
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. Also, it is necessary to choose a policy that offers maximum coverage amount for your health claims.
-
Co-Payment Clause
Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
-
Hospital Network
Always check the list of hospitals included in your policy. Remember the kinds of medical facilities and services you might need in the future.
-
Waiting Period
Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
-
Lifetime Renewal
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
-
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.
What is Covered?
Pre and Post Hospitalization Expenses
Kotak Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
The policy allows you to get traditional treatments such as AYUSH Treatment Ayurveda, Yunani, Homeopathic, and much more.
Recovery Benefit
The policy allows you to get a daily cash allowance up to the sum insured. This makes sure that you can pay easily for your daily expenses.
Day Care Treatments
The health insurance policy by Kotak Health Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
Compassionate Visit
When someone is not well and gets hospitalized, their immediate relatives (visitors) go to and fro from hospital to home. So this policy will cover the expenses incurred during this phase for the visitors.
What is not Covered?
Self Inflicted Injuries
Insurance policies do not cover self-inflicted injuries or suicide.
Cosmetic Procedures
Recreational surgeries will not be covered in the health insurance policy. Plastic surgery coverage will be included only in the case of an accident.
Adventure Sports
Injuries caused by any kind of sports will not be included.
Obesity or Weight Control Treatments
Kotak Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Kotak health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Kotak Health Insurance Plans Buying Process
If you are looking forward to purchasing Kotak Health insurance online follow the simple steps below:
- Step 1
Visit the website of Kotak General Insurance.
- Step 2
Click on the 'Health Insurance' icon. Enter your details and submit the form.
- Step 3
Select your preferred plan and customize it. Check the premium details.
- Step 4
Make an online payment of the premium amount. Once the payment is done, the policy details will be mailed to your registered email address.
How to Renew Health Insurance Policy?
To avail of the benefits consistently, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
- Step 1
When you visit the official website of Kotak Mahindra Health Insurance, click on the “Renew existing Policy” box. It will redirect you to the main page, where you need to fill in the policy number and captcha.
- Step 2
Review the policy, fill in the details, choose the mode of payment and complete the payment.
- Step 3
Once the payment is made, your policy will be renewed instantly.
Connect with our insurance experts for Kotak health insurance policy renewal at 1800 - 4200 - 269.
How To Port To Kotak Health Insurance?
To port your existing policy to Kotak Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Kotak Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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