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Kotak Health Care Health Insurance

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Kotak Mahindra Health Insurance
Kotak Health Care (Discontinued)
Cashless Approval TATWithin 35 minutes
Claim Settlement Ratio97%
Network Hospitals9,450+
Pre-existing Waiting Period4 year
Special BenefitsNo Capping on Room Rent
Starting Premium for Rs. 5 lakhs SIRs. 489/month

About Kotak Health Care Health Insurance

Kotak Health Care by Kotak General Insurance is a comprehensive medical insurance plan. It ensures superior financial stability to individuals and families that find it difficult to handle finances at the time of a medical emergency. Following the concept of “A healthier tomorrow starts today”, the plan grants an insured individual with the much-desired peace of mind and helps them focus on speedy recovery rather than worries of cash arrangements at the last moment. Available on individual as well as family floater sum insured basis, Kotak Health Care comes in three variants, namely Excel, Premium, and Prime.

When you buy Kotak Health Care plan, you get all your medical requirements covered without having to pay a high premium. Right from coverage against medical bills to free health check-up, Kotak Health Care provides all to the insured. Features covered under the plan include pre & post hospitalisation expenses, day care treatment, ambulance cover, cumulative bonus, and numerous others. The plan also helps you customise it with add-ons that you can choose from as per the type of plan opted for. All in all, Kotak Health Care safeguards the family in every which way and gives in return, multiple benefits that help one stay relaxed even in a tough situation.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for medical expenses incurred on 150 day care procedures
  • 30 days pre-hospitalisation and 60 days post-hospitalisation expenses
  • Cumulative bonus of 10% on base annual sum insured on policy renewal
  • Up to Rs. 1500 transporting cost incurred on transferring the insured person to a hospital for treatment of an illness or injury
  • Medical expenses incurred on insured individual’s hospitalisation for a minimum and continuous period of 24 hours

What's Not Included

  • Sterility, venereal disease or any sexually transmitted disease
  • Vaccination or inoculation of any kind, unless it is post animal bite
  • Any expenses incurred on prosthesis, external durable medical equipment of any kind, etc.
  • Intentional self-injury and injury or illness due to use, misuse or abuse of intoxicating drugs or alcohol
  • Costs of routine medical eye or ear examinations, preventive health check-ups, spectacles, and others

Kotak Health Care (Discontinued) User Reviews

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What users are saying
  • All
  • Good financial support

    This plan is very helpful in managing medical expenses. I got this cover for less premium amount, but got covered for a lot of medical expenses including pre & post hospitalisation expenses, day care treatment, cumulative bonus, ambulance cover, and numerous others. I have also opted for add-ons like double sum insured and cap on room rent. 

    G
    By Girdhari Prasad
    On: Feb 06, 2020
  • Can’t think of a better plan

    Ever since i have purchased this policy, i am grateful to insurancedekho people for their support. It is because of their help that i was able to buy such a good plan. I am satisfied that my policy covers a lot of features like pre & post hospitalisation, day care treatment, ambulance cover and more.

    A
    By A S Rawat
    On: Feb 03, 2020
  • Good policy, very affordable

    According to me, this kotak health care policy is great in every aspect. I have bought this policy around 3 4 months back. Found it to be very comprehensive for such a low premium amount. I would recommend this policy to everyone looking for a wide cover, low premium plan.

    S
    By Shrishti
    On: Jan 31, 2020
  • Satisfied with kotak policy

    Kotak is a good insurer. I came to know about investing in kotak after buying this plan. I have bought this cover on family floater basis. The premium is very less. The claim settlement process is quite easy. I have my children as well as my dependent parents covered under this affordable plan.  

    R
    By Rohit Singh
    On: Jan 24, 2020
  • Wonderful policy by kotak

    Kotak health care is my best health insurance investment. This plan has given me comprehensive insurance at low premium rates. I am covered for day care procedures, pre & post-hospitalisation expenses, cumulative bonus, transporting cost and more. I want to thank insurancedekho for helping me buy this plan. 

    S
    By Shankar
    On: Jan 15, 2020

Add-ons to Enhance Benefits

  • Hospital Daily Cash

    Under the add-on of hospital daily cash, a specific cash amount for each and every completed day of the insured individual’s hospitalisation during the policy period is provided. The benefit is applicable for both, individual and family floater. Note that payment under this benefit will be over and above the opted base sum insured.

  • Convalescence Benefit

    The add-on promises a specific amount if the insured individual is admitted in hospital for a minimum period of 10 consecutive days. Applicable on an individual basis regardless of individual/family floater policy type, convalescence benefit is paid for over and above the opted base annual sum insured. Note that the benefit is available only once during the policy year and provided that the claim for in-patient treatment under policy has been accepted. 

  • Donor Expenses

    The add-on for donor expenses reimburses in-patient hospitalisation medical expenses towards donor for harvesting the organ up to the limits of the selected base annual sum insured. If the policy is on individual basis, the payout is available on individual basis. In case of floater basis, it is provided on floater basis. 

  • Critical Illness Cover

    The add-on offers a payment of critical illness sum insured specified in the policy schedule, in case the insured individual is first diagnosed to be suffering from any of the covered critical illnesses during the policy period. Note that be it individual or family floater policy, the benefit is applicable on an individual basis.

  • Double Sum Insured

    On opting for the add-on, the policyholder is reimbursed medical expenses incurred in respect of the insured individual’s hospitalisation during the policy period in case of an injury sustained solely and directly because of an accident that occurs during the policy period up to twice the chosen base annual sum insured. The benefit is applicable on an individual basis regardless of the policy type. 

  • Cap on Room Rent

    Under the add-on of cap on room rent, the insurer is liable to pay only a rateable proportion of the medical expenses incurred in the proportion of the difference between “the Room Rent and the Associated Medical Expenses” of the eligible Room Rent and “the Room Rent and the Associated Medical Expenses” actually incurred, if a claim for in-patient hospitalisation under the policy has been accepted and the insured has incurred room rent higher than the eligible room rent as specified in the policy schedule.

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Kotak Health Care (Discontinued) Expert Review

  • Expert Review

    Kotak Health Care is one of the most popular health insurance products by Kotak General Insurance. This comprehensive plan promotes “A healthier tomorrow starts today”, providing extensive coverage against medical bills that many find hard to handle with their limited savings. In other words, Kotak ensures that the health of policyholders is covered with care by all means with the help of Kotak Health Care.

    Health Care covers individuals from the age 91 days up to 65 years. Available in individual & family floater types, the plan covers everyone, right from children to senior citizens. Talking about variants, the plan can be availed in either Excel, Premium or Prime form, each having their own specific features and benefits range to suit varied needs of policyholders. Most importantly, the sum insured range offered under Kotak Health Care starts from Rs. 2 Lakh and goes up to Rs. 100 Lakh. 

  • Major Attractions

    When you invest in Kotak Health Care, you invest in good health. Available for a policy period of 1, 2, and 3 years, Kotak Health Care offers coverage for self, spouse, dependent children & parents. The best part about the plan is that it provides extensive coverage for expenses related to in-patient treatment, pre & post hospitalisation, emergency ambulance, specific day care procedures, and numerous others aspects. What’s even better is that the plan comes with a few additional covers that you can make the most of by choosing specific variants. The overall coverage elements comprise:

    • One free health check-up, each policy year for specified tests (at network provider for insured over 18 years of age)
    • Cumulative bonus of 10% on base annual sum insured on policy renewal
    • Optional cover - Hospital Daily Cash (Extension for each and every completed day of the insured person's hospitalisation, subject to conditions)
    • Optional cover - Convalescence Benefit (Available once during the policy year, subject to other conditions)
    • Optional cover - Donor Expenses (Reimbursement of inpatient hospitalisation expenses towards donor)
    • Optional cover - Critical Illness Cover (Benefit applicable on individual basis)
    • Optional cover - Double Sum Insured (Benefit applicable on individual basis irrespective of policy type)
    • Optional cover - Cap on Room Rent (Insured is entitled for a discount in base premium as entitled on opting the cap on room rent)
    • Optional cover - Maternity Benefit (Medical expenses incurred up to the maternity benefit sum insured specified in the policy schedule is indemnified)
    • Optional cover - Newborn Baby Cover (Medical expenses incurred on the hospitalisation of the insured person's newborn baby, up to the limits of the base annual sum insured)
  • What’s More?

    Apart from the extensive coverage features and benefits, Kotak Health Care has additional elements that make it worth investing in. The key aspects that increase the demand of the plan include - 

    • Cashless settlement of claims
    • Guaranteed renewal for life
    • 30 days grace period for renewal
    • Tax benefits under Section 80D of the Income Tax Act, 1961
    • A discount of 5% on purchasing the policy for 2 years; 10% discount on buying the policy for 3 years
  • Conclusion

    Undoubtedly, Kotak Health Care is a good health insurance investment you can opt for. Affordable and reliable, the plan is the best way to tackle unexpected medical expenses.

    If you are willing to buy Kotak Health Care online, note that it would be a great choice. Buying plan online will help you get it issued sooner. Moreover, buying the policy from InsuranceDekho will provide you benefits like policy portability, claim settlement support, and multiple others. 

Kotak Kotak Health Care (Discontinued) Brochure

  • 259.42 KB
  • PDF Document
  • Jul 05, 2019

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.

FAQs on Kotak Health Care (Discontinued) Health Insurance Plan

  • What is the policy tenure for Kotak Health Care?

    The policy tenure for Kotak Health Care is 1 year, 2 years, and 3 years.

  • What is the eligibility criteria for buying Kotak Health Care?

    In case of individual policy, while the minimum entry age is 5 years, the maximum entry age is 65 years. In case of family floater, minimum entry age is 91 days, the maximum entry age is 65 years. The maximum entry age for dependent children is 25 years.

  • What is the exit age for Kotak Health Care plan?

    There is no exit age for the plan. Kotak Health Care comes with lifelong renewability feature.

  • What are the sum insured options available under Kotak Health Care?

    Under Kotak Health Care, the sum insured range starts from Rs. 2 Lakh and goes up to Rs. 100 Lakh. Note that the sum insured varies as per the variant opted for.

  • What are the variants under Kotak Health Care?

    Kotak Health Care can be availed in the form of three variants, namely Excel, Premium, and Prime. Sum insured range for Excel is Rs. 2 Lakh to Rs. 4 Lakh while for Premium, the sum insured range starts from Rs. 5 Lakh to Rs. 25 Lakh. For Prime variant, sum insured range begins with Rs. 10 Lakh and goes up to Rs. 100 Lakh. 

  • Which relationships does Kotak Health Care cover?

    Self, spouse, dependent children and dependent parents are the relationships you can cover under Kotak Health Care plan.

  • What is the pre-existing waiting period for Kotak Health Care?

    In Kotak Health Care, the pre-existing waiting period for all age groups is 4 years.

  • What are the optional covers associated with Kotak Health Care?

    Under Excel variant, optional covers include Hospital Daily Cash, Donor Expenses, Critical Illness Cover, Convalescence Benefit, Double Sum Insured, and Cap on Room Rent.

    Under Premium variant, optional covers include Hospital Daily Cash, Critical Illness Cover, Convalescence Benefit, Donor Expenses, and Double Sum Insured.

    Under Prime variant, optional covers include Hospital Daily Cash, Critical Illness Cover, Double Sum Insured, Convalescence Benefit, Donor Expense, Domiciliary Hospitalisation Cover, Maternity Benefit, New Born Baby Cover, Alternative Treatment, Compassionate Visit, and Restoration of Sum Insured. 

  • Does Kotak Health Care offer tax benefits?

    Yes, the premium paid towards Kotak Health Care is eligible for deductions as per the Section 80D of the Income Tax Act, 1961. 

  • If I buy Kotak Health Care policy for 2 years tenure, will I get a discount?

    On purchasing Kotak Health Care for 2 years, there is a discount of 5%. In case, you buy the policy for 3 years, you get a discount of 10%.

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