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Kotak Health Care Insurance User Reviews

117 reviews Rate This
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio97%
Network Hospitals7,200+
Pre-existing Waiting Period4 year
Special BenefitsNo Capping on Room Rent
Starting Premium for Rs. 5 lakhs SIRs. 489/month

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Rating of Kotak Health Care (Discontinued)
Based on
26 User reviews
  • 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. 

    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 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.

    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.  

    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. 

    On: Jan 15, 2020
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  • All medical requirements covered

    Without any doubt, this is the best plan that i have ever seen. So, my sincere thanks to insurancedekho people for helping me choose this one. At very less premium cost, this plan covers me for all medical expenses that i had wanted in my cover. 9 out of 10 to this wonderful plan from my end.

    Ram Avtar Gill
    On: Jan 06, 2020
  • Good, comprehensive policy

    If you are in need of a comprehensive policy with less premium, i recommend you to go with kotak health care. The policy has covered me for day care treatment, ambulance cover, pre & post hospitalisation expenses, cumulative bonus, and other features. The add-on covers for the policy are also great! Highly recommended plan from my side.

    Gunjan Sinha
    On: Jan 02, 2020
  • Kotak health care is a superb plan

    I am having a very smooth experience with kotak health care plan. Not made a claim as of yet, but it seems that everything will go well when the need arises. I have received coverage for basic expenses. Also, i have invested in add-on covers such as hospital daily cash, critical illness cover, convalescence benefit, and more.

    Rajeev Verma
    On: Dec 30, 2019
  • Good care for health

    I needed a health insurance policy to deal with medical emergencies. Insurancedekho guys advised me to choose health care by kotak. I am so grateful now because i am now covered for pre & post hospitalisation expenses, day care treatment, ambulance cover, cumulative bonus, and different other expenses. The best part is that the premium amount is reasonable.  

    Ravi Kapoor
    On: Dec 20, 2019
  • Policy worth the money

    After my previous bad health insurance with other company, it was very difficult for me to choose kotak. However, i don’t regret my decision of choosing this plan as it covers me for a lot of medical expenses that i wanted. What’s best is that i don’t have to pay a lot of money for premium amount. 

    Geeta Nayar
    On: Dec 16, 2019


  • 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%.

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.

Kotak Mahindra Health Insurance Contact Details

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