Kotak General

15 reviews Rate This
  • 4,000+ Network Hospitals
    Check in your City
  • 27,203 Policies Issued
  • 48.21% Incurred Claim Ratio
  • Lifelong Renewability
  • 55.74% Claim Settlement Ratio
  • In-House Claim Settlement

About Kotak General

Kotak General Insurance or Kotak Mahindra General Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd., which is India’s fastest growing bank. Incorporated in December 2014, the general insurance company has marked its strong existence in the ever-growing non-life insurance sector since the very beginning. After getting approval from the IRDA to start a General Insurance business in April 2015, the insurer started its business operations from December 2015. 

Headquartered in Mumbai, the general insurer is engaged in offering a vast array of non-life insurance products such as health, motor, and others. Kotak Mahindra General Insurance leaves no stone unturned in catering to the varied insurance needs of all, irrespective of customer segment and geographical location. What set the general insurer apart are its strong management practices, proficient team, and Kotak group pedigree. Furthermore, the general insurer garners praise for customised products & services, customer-centric operations, digitally enabled processes, and efficient claims handling.

Key Highlights 

  • No pre-acceptance medical test
  • 13 branches spread across India
  • Access to 4000+ network hospitals
  • Comprehensive health insurance policies
  • Great discount for multi-year tenure policies 
  • Wide range of options for sum insured to be opted
  • Tax benefits under Section 80D of the Income Tax Act, 1961

Working towards the mission of fulfilling the growing non-life insurance needs while valuing customer service, quality, and innovation above everything else, Kotak Mahindra General Insurance has gained a strong reputation in the market. Offering first-rate quality products along with superior customer service right from the start, the insurer is definitely making its strong mark. 

Kotak Mahindra General Insurance, through its health insurance plans, ensures that both individuals as well as families stay protected during an unfortunate medical emergency. Be it a plan that is individual, family individual or family floater, the general insurer offers comprehensive health insurance coverage of all kinds. Kotak Secure Shield, Kotak Health Premier, Kotak Health Care, Kotak Accident Care are a few health insurance plans that the insurer has in store.

Kotak General Plan List

Name of PlanSum Insured
Kotak Health Care Min: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Kotak Secure ShieldMin: 18 Years; Max: 65 Years5 Lakh Get Quotes Now
Kotak Health PremierMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

Kotak General Top Up List

Name of PlanSum Insured
Kotak Health Super Top UpMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

Claim Process at Kotak General

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of Kotak General at 1800-266-4545.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of Kotak General 1800-266-4545.

Kotak General User Reviews

  • The most reliable insurer

    It’s been years since i am investing in Kotak health insurance. Must say that kotak has never let me down. I am happy that everytime i got excellent coverage at minimal premium cost. Moreover, the claim, services, and everything was is superb. Kotak is highly recommended by me.

    On: Oct 16, 2019 | Views
  • Thank you kotak for saving me

    I had kotak insurance for last 2 years. Now, when i made claim, i got fully covered for all expenses which were very difficult for me to handle. I got great services by kotak and insurancedekho and the claim process was also very easy. I recommend kotak to you.

    On: Oct 14, 2019 | Views
  • Kotak is trustworthy

    My friends and relatives all have kotak health insurance. So, i also chose it to secure my family. Must say that i made the right decision because now i don’t have to worry about finance. If you also want good cover at less premium, go for it.

    On: Oct 14, 2019 | Views
  • Kotak is the best health insurer

    First, thanks InsuranceDekho, you told me about Kotak. I am happy with the insurer as it provides vast medical expenses cover. There are 4000+ network hospitals for treatment and the claim process is easy. Overall, Kotak is worth investing in.


    On: Oct 04, 2019 | Views
  • I like Kotak health insurance

    My previous health insurance experiences were bad. When InsuranceDekho experts told me about Kotak, i got ready to purchase its plan. I have got comprehensive coverage at a less premium rate. Also, there are many benefits available. Now, i recommend Kotak to others. 

    On: Oct 04, 2019 | Views
  • Kotak is a good insurer

    All thanks to InsuranceDekho i have finally found the ideal health insurer. I would recommend Kotak to anyone looking for a good cover at a low premium cost. The insurer is reliable and its services are great. I have not made a claim, but the process is quite simple so that’s superb.

    On: Sep 25, 2019 | Views
  • Happy with Kotak General Insurance

    Kotak has always been my ultimate preference. The insurer provides comprehensive policies. There are more than 4000 network hospital for treatment purpose. The claim process is simple and quick. Overall, it is not like every other insurer that promises to deliver a lot, but fails. Kotak is definitely better than others!


    On: Sep 25, 2019 | Views
  • Glad

    I am so-so glad to purchase a plan from InsuranceDekho. Best site ever with all the information readily available.

    On: Sep 07, 2019 | Views
  • Time saving

    The online policy renewal and purchase is really time saving. I got the best policy sitting at the comfort of my home.

    On: Aug 05, 2019 | Views
  • Glad that I found Kotak General

    My health insurance experiences have been bad in the past. Thankful to InsuranceDekho for recommending Kotak General for health insurance coverage. Finally I have an insurer I can completely rely on. Happy that I finally have a broad health insurance coverage at low premium. 

    On: Jul 05, 2019 | Views
  • Kotak General health insurance is great

    With my previous insurer, I was struggling to pay premium to get wide coverage in return. Now that I have Kotak General health insurance plan, I can feel free from financial stress and focus on coverage offered. Thank you so much InsuranceDekho for helping me find Kotak General Insurance. So happy!

    On: Jul 05, 2019 | Views
  • Comprehensive health insurance policy

    I am not new to Kotak Mahindra General Insurance. My family and I have been covered under health insurance plan with great benefits and features. Also, the premium amount is affordable. Overall, i am happy with the services provided to me. Highly recommended!

    On: Jul 04, 2019 | Views
  • Happy and satisfied with Kotak General

    I have been a loyal customer of Kotak Mahindra health insurance for the past one year. My health insurance plan covers my entire family at a premium amount that’s quite affordable. The plan coverage is wide and benefits associated with it are above my expectations. I would recommend the insurer to all.

    On: Jul 04, 2019 | Views
  • Great policies by Kotak Mahindra

    I would recommend Kotak Mahindra General Insurance to one and all. The policy coverage is broad and services offered by the company are superb. I was looking for the ideal health insurance policy with low premium and vast coverage for many. Happy that Kotak Mahindra met my expectations.

    On: Jul 03, 2019 | Views
  • Kotak Mahindra is the best!

    Firstly, i want to thank the team of InsuranceDekho for recommending Kotak Mahindra health insurance policy to me. Comprehensive cover, easy claim settlement and low premium amount are the major positives about the company. All in all, the experience with Kotak Mahindra has been a great one.

    On: Jul 02, 2019 | Views

Latest Kotak General News

Kotak General Contact Details

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Kotak General FAQs

  • Why should I buy a health insurance policy from Kotak General Insurance?

    Kotak General Insurance is an ideal choice for both, individuals as well as families that wish to invest in health insurance without breaking their bank. Reasons that make the insurer different than the others include customer-centric operations, customised products & services, digitally enabled processes, efficient claims handling, strong management practices, team of experienced professionals, and others. Talking specifically about policies, the insurer provides comprehensive coverage against the expenses of medical treatment in case of medical emergencies, and that too at a low premium.


  • How to buy and apply for Kotak Mahindra health insurance policy?

    To apply for and purchase a Kotak Mahindra health insurance policy online, you can either visit the official website of Kotak General Insurance or www.insurancedekho.com. If possible, you can also visit the nearest branch of Kotak General Insurance and uncover more about different policies offered and learn about their purchase in a detailed manner.

  • What are the health insurance policies offered by Kotak General Insurance?

    Under its health category, Kotak General Insurance offers plans such as Kotak Secure Shield, Kotak Health Premier, Kotak Health Care, Kotak Accident Care, and Kotak Health Super Top Up. 

  • Does Kotak General Insurance offer critical illness cover?

    Yes, Kotak General Insurance provides comprehensive coverage for 18 types of critical illnesses under its Kotak Secure Shield policy.

  • What is the Claim Settlement Ratio of Kotak General Insurance?

    The claim settlement ratio of Kotak General Insurance for the year ended March 31, 2018 is 55.74%.

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