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Kotak Mahindra Health Insurance Benefits

95 reviews Rate This
Highlights
Claim Settlement Ratio93%
Free Health CheckupAvailable
In-House Claim SettlementAvailable
Network Hospitals6,700+
Policies Sold3,49,931
RenewabilityLifelong

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Benefits of Kotak Mahindra Health Insurance

Incorporated in the year 2014, Kotak General Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd. One of the fastest growing general insurance companies in India, Kotak General Insurance is a part of the Kotak Mahindra Group, one of India's leading financial services conglomerates. Aimed towards offering customised products, state of the art technology, and digital infrastructure, Kotak General Insurance provides a series of health insurance solutions that cater to the needs of one and all. The company offers comprehensive health insurance plans that are dedicatedly designed to serve the diverse needs of individuals as well as families.

Health insurance plans by Kotak General Insurance are renowned for their wide coverage and numerous benefits. Providing the best possible plans, according to the varied health insurance requirements, irrespective of customer segment and geographies is the ultimate objective of the insurer.

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  • Additional Benefit of Free Health Check up

    Under its plans, the insurer offers the additional benefit of one free health check-up per year at any of the network hospitals. The insured individual must be above 18 years of age. Note that utilising the free health check-up benefit does not affect the base annual sum insured or cumulative bonus.

  • Additional Protection over Employer Coverage

    Employer sponsored group health insurance plans are quite common in today’s time. Contrary to what most employees think, these plans do not provide the best help whether in terms of coverage or other services in case of emergencies. To ensure proper care at a crucial time, one can opt for a separate health insurance plans by Kotak General Insurance and increase their existing group health cover without paying too much premium.

  • Cashless Benefit

    Kotak General Insurance offers the benefit of cashless claims to save its policyholders from worrying about huge medical expenses. Policyholders can not only avail reimbursement of medical bills, but also cashless settlement when being treated at a network hospital.

  • Claim Settlement Ratio

    Claim Settlement Ratio or CSR is the ratio of the claims settled by the insurer against the total number of claims presented on it in one financial year. For FY 2019-20, Kotak General Insurance has a 75.45%* CSR. *The claim settlement ratio change from time to time.

  • Coverage against Medical Expenses

    Kotak General health insurance plans offer comprehensive coverage to one and all. Be it an individual or an entire family, the insurer offers broad coverage on medical expenses such as inpatient treatment, pre and post hospitalisation, day care treatments, ambulance cover, and various others.

  • Incurred Claim Ratio

    Incurred Claim Ratio or ICR measures the earned premium, which is spent in paying claims. Kotak General Insurance’s ICR for the financial year 2018-19 was 47%*. This shows that the insurer managed to keep the ratio below 100% and earned a profit which strengthened its financial condition. *The incurred claim ratio change from time to time.

  • Tax Benefit

    Premiums paid towards Kotak General health insurance plans qualify for deduction under Section 80D of the Income Tax Act, 1961.

Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Kotak Mahindra Health Insurance Plan List

    Name of PlanSum Insured
    Kotak Health Care (Discontinued)Min: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 Day; Max: 65 years50 Thousand - 5 Lakh Get Quotes Now
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 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
    Arogya Sanjeevani PolicyMin: 18 years; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Kotak Mahindra Health Insurance Top Up List

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

      Choose Kotak General Plan for

      Kotak Health Insurance User Reviews

      4.2
      Rating based on
      95 User reviews
      Write your review
      What users are saying
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      • Critical Illness

      • Critical illness coverage

          I bought a good health insurance plan that covers me for any critical illness. I chose the Kotak Mahin...

        Read More
        K
        Kotak
        By Kritika Rajpal
        On: Mar 21, 2023

      • Their website is very well man...

          The InsuranceDekho website is very well managed. While buying the Kotak Mahindra Health Insurance poli...

        Read More
        A
        Kotak
        By Aslam Mohammad
        On: Mar 16, 2023

      • Learned about the claim settle...

        While buying the Kotak Mahindra health insurance plan from the InsuranceDekho website, I read about the claim ...

        Read More
        K
        Kotak
        By Komal Shah
        On: Jan 10, 2023

      • Impressed by the team

        After buying my Kotak LifeTime Income Plan from InsuranceDekho, I have become a fan of their team. Whether you...

        Read More
        A
        Kotak
        By Arjit Taneja
        On: Nov 15, 2021

      • Cashless treatment

        I am covered under Kotak Health Care Policy and recently made a claim under it with the help of customer care ...

        Read More
        T
        Kotak
        By Tanvi Goyal
        On: Jul 29, 2021
      View All Kotak Mahindra Health Insurance Reviews
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      • 45 Lacs+ happy customers

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      Claim Process at Kotak Mahindra Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

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

      Insurance Products by Kotak General Insurance

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      FAQ About Kotak Mahindra Health Insurance

      • 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 and 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 at InsuranceDekho. 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 FY 2019-20 is 75.45%.

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