Kotak GroupAccident Protect

AD, PTD & PPD covers
Children educational grant
Lifestyle modification cover

Network hospitals

9000+

Incurred claim ratio

56.01%

Sum insured

Up to 25 Lakh

No. of Plans

Solvency Ratio

2.2

Pan India Presence

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

9000+

Incurred claim ratio

56.01%

Sum insured

Up to 25 Lakh

No. of Plans

Solvency Ratio

2.2

Pan India Presence

Kotak Group Accident Protect Plan

It’s insurance against adversities caused due to accidents.

Accidental deaths were all-time high in 2022! According to the reports of Times of India, there was a recorded number of over 1.68 Lakhs annual deaths in accidents in India itself. With this, the average deaths per day count is above 462 due to road crash fatalities in 2022.

Given the situation, these cases are not showing any shortfall. So, better to buy accidental coverage insurance now than never. Kotak Group Accident Protect insurance is a health plan that offers coverage for accidental death, temporary partial and total disability, children's educational grants, inpatient hospitalization caused due to accidents, and so on.

This page discusses all the coverage benefits related to the Kotak Group Accident Protect plan, read on to know more about it.

Eligibility Criteria for Buying Kotak Group Accident Protect Plan

Child Entry Age

18 years

Adult Entry Age

80 years

Plan Type

Individual

Initial Waiting Period

Covered from day 1

Specifications of Kotak Group Accident Protect Plan

Specifications	Kotak Group Accident Protect Plan
Accidental Death	In case of the insured’s death due to an accident, the insurer will pay out the specified sum insured amount to their nominee or dependants if the claim is made within 12 months of the accident.
Permanent Total Disablement (PTD)	Suppose, the insured has met with an accident that caused him a permanent total disability, the company will compensate for the loss upto a specified limit, given the claim is raised within 12 months from the date of the accident.
Permanent Partial Disablement (PPD)	In such scenarios of permanent partial disability, there will be a payout for the loss if the insured claims within 12 months of the accident. The maximum sum insured payable is not more than 100% of the specified conditions.
In-patient accidental hospitalization	Any illness or injury caused due to an accidental event will be covered for its treatment expenses or medical hospitalization care specified as per week expenses (should not exceed 100 weeks in the policy term).
Modification of residence/vehicle	In case the insured person needs any modification in his residence or vehicle after a permanent disability, the policy covers lifestyle changes.
Children education grant	The insurer covers education or course fee expenses related to the insured’s dependent children. The maximum payout for an educational grant will be upto 100% of the sum insured (the maximum age specified as 25 years for dependent children).

To know more about the plan read the policy details provided below:

What are the Exclusions of Kotak Group Accident Protect Policy?

Any disease or self-inflicted injury

Death/disablement directly or indirectly due to war

Any medical expenses occurred out of the hospital or a daycare centre

Attempt to suicide

Any hospitalisation due to injury/death caused due to pregnancy, childbirth, abortion or miscarriage, and likewise

Unlawful activity/breach of law

For a detailed list of exclusions under Kotak Group personal accident policy, reach out to the insurance experts of PolicyX.com.

Connecting the dots

A mishap like death/disability caused due to an unfortunate accident is not easy to handle for a family. It not only impacts the future of the individual suffering from the event but their family suffers too.

Isn’t it better to be prepared? Of course, having an accidental insurance plan like Kotak Group Accident Protect policy offers extended coverage benefits related to accidents.

For more information about the policy, reach out to our health insurance experts at PolicyX.com at 1800 4200 269 or click on Get a Quote to get your queries resolved.

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