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Kotak Health Premier Health Insurance

27 reviews Rate This
Kotak Health Premier
Claim Settlement Ratio93%
Free Health CheckupAvailable
In-House Claim SettlementAvailable
Network Hospitals6,700+
Policies Sold3,49,931

About Kotak Health Premier Health Insurance

When it comes to ensuring the health of your loved ones, owning a medical insurance policy is the best measure these days. Hence, one should opt for a plan offered by a renowned and trusted insurer. Kotak Health Premier is a plan that allows its users to undergo medical procedures and treatments without experiencing any financial crisis. The policy can be purchased on an individual as well as on a family floater basis with lifetime renewability option. A wide range of sum insured that ranges from Rs. 3 Lakh to Rs. 25 Lakh makes the plan a perfect fit for a family.

The plan owns a lot of attractive features which offer every possible coverage to its customers. The coverage of the plan includes in-patient treatment, daycare treatment, ambulance cover, restoration benefit, maternity benefit, cumulative bonus, and so on. Kotak Health Premier Policy provides coverage to people between the age of 91 days and 65 years. The plan might require its customers to undergo a medical health check-up procedure as per the guidelines. Also, it allows many relationships to get covered under it, which comprise of Self, Spouse, Natural or Adopted Dependent Children, Dependent Parents, Parent in Laws, and Siblings.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Availability of ambulance cover
  • The option of inpatient hospitalisation
  • Pre and post hospitalisation coverage
  • Coverage for 405 daycare procedures
  • 100% restoration of the Sum Insured

What's Not Included

  • Expenses on aesthetic or cosmetic surgeries
  • Illness or injury due to intoxicating substances
  • Pre-existing disease before waiting period
  • Coverage for injuries suffered by self-inflicted acts
  • The cost incurred on mental illness treatment

Kotak Health Premier User Reviews

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What users are saying
  • All
  • Learned about claim settlement...

    I learned about the claim settlement ratio on InsuranceDekho. It is an important factor and everyone must chec...

    Read More
    By Bidita Sarkar
    On: Mar 04, 2021
  • My latest insurance

    It has been only 15 - 20 days that i bought this insurance policy by kotak. I would say that it is a worthy pu...

    Read More
    By Mohinder
    On: Feb 10, 2020
  • Good one for me

    I was introduced to kotak health premier by insurancedekho team. They suggested it was the best for me and my ...

    Read More
    By Jagpal Singh
    On: Feb 06, 2020
  • Nice, less premium plan

    I want to first thank insurancedekho for suggesting this policy to me. My premium amount is very low for so mu...

    Read More
    By Suraj Mohan
    On: Feb 04, 2020
  • Satisfactory cover for me

    I was looking for a plan with benefits like maternity benefit, cumulative bonus and like such. Thanks to this ...

    Read More
    By Gauri Singh
    On: Feb 03, 2020

Add-ons to Enhance Benefits

  • Critical Illness Cover

    As per this benefit, the plan will be providing a lump sum amount on being diagnosed with any of 18 listed critical illnesses. The coverage is available over and above the amount of base sum insured on paying an additional premium charge. 

  • Personal Accident Cover

    This is an additional cover that offers lump sum benefit to the insured individual in the event of death due to an accidental or permanent or total disablement. The coverage is provided over and above the base sum insured by paying a little extra premium.

  • Cap on Room Rent

    As per this optional cover, the policyholder by paying a little additional amount of premium can opt for capping on room rent and can become entitled to a discount on the base premium. Claims are meant to be paid at a rateable proportion that is based on the actual cost of the room and the eligible room rent.

Kotak Health Premier Expert Review

  • Expert Review

    Kotak Health Premier is a comprehensive health insurance by Kotak General Insurance. An apt choice for health investment, Kotak Health Premier policy financially supports individuals and families when they need it the most, i.e., during a medical emergency. It is a reliable health insurance you can definitely go for to ensure financial stability even in the most trying times, as the policy comes with countless features and benefits in one’s support. 

    Kotak Health Premier offers coverage to individuals between the age range starting from 91 days up to 65 years. One can either opt for individual or family floater policy type to avail the advantages offered. Available for a policy period of 1, 2, and 3 years, Kotak Health Premier covers various relationships including spouse, children, parents, parents-in-law, siblings, and others. Last but not the least, the sum insured range offered under Kotak Health Premier starts from Rs. 3 Lakh.

  • Major Attractions

    Choosing Kotak Health Premier will be a fruitful decision for you as this policy has an abundance to offer. When it comes to expenses covered, the list comprises of in-patient treatment, pre hospitalisation, post hospitalisation, emergency ambulance expenses, organ donor expenses, air ambulance cover, domiciliary hospitalisation, convalescence benefit, home nursing benefit, compassionate visit, and daily cash for accompanying an insured child. The other key elements of coverage include - 

    • Specified/listed 405 daycare procedures requiring less than 24 hours of hospitalisation
    • 100% restoration of the base sum insured once in a policy year
    • Cumulative bonus up to 50%/100% of the sum insured as per plan opted in case of a claim free year at 10% per year
    • One free health check-up for each insured person above 18 years of age
    • Second E-opinion on medical condition occurring during policy period (multiple times)
    • Alternative treatment expenses
    • Hospital daily cash (from day one in case the hospitalisation extends for at least 3 consecutive days)
    • Maternity benefit, newborn baby cover, and vaccination expenses (all covers need to be taken together) - Available under certain plans only
    • Optional cover - Critical illness cover, personal accident cover, cap on room rent
  • What’s More?

    Kotak Health Premier has lots to offer. Rich in benefits and features, which help insured individuals and families handle their finances in emergency situations, Kotak Health Premier also provides- 

    • Guaranteed renewal for life
    • 30 days grace period for renewal
    • Health & Rewards (Basis plan opted)
    • Tax benefit up to Rs. 25,000 for people below 60 years & Rs. 30,000 for senior citizens 
    • Long term discount - 2.5% on 2 year policy and 5% on 3 year policy
    • Family discount - 2.5% for two eligible members and 5% for more than two people
  • Conclusion

    Kotak Health Premier meets the expectations of many. Overall, it can be considered the ultimate savior one can rely on to get their medical requirements fulfilled without having to spend their savings.

    If you plan to invest in Kotak Health Premier, doing so on an online platform will be beneficial as you will get the policy issued soon. Additionally, purchasing the policy from InsuranceDekho will help you with policy portability, claim settlement support, policy transparency, and multiple benefits, which may be hard to find elsewhere.

Kotak Kotak Health Premier Brochure

  • 223.44 KB
  • PDF Document
  • Jul 24, 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 Premier Health Insurance Plan

  • What are the age criteria for getting covered under the Kotak Health Premier Plan?

    People between the age group of 18 years and 65 years are entitled to get covered under this plan. Also, children from the age of 91 days are eligible to be covered if the plan is purchased on a family floater basis.

  • What relationships can be covered under the Kotak Health Premier Plan?

    The Kotak Health Premier Plan offers coverage to different relations such as Self, Spouse, Natural or Adopted Dependent Children, Dependent Parents, Parent in Laws, and Siblings.

  • Does the health insurance plan provide any discount to its customers?

    Yes, the plan offers a discount of 2.5% and 5% on the purchase of 2 and 3-year policy respectively. In addition to this, a family discount of 2.5% is offered on buying the policy with 2 eligible members only, while 5% discount is given if more than 2 members are covered under Kotak Health Premier Plan.

  • Is there any variant available under Kotak Health Premier Plan?

    No, the plan has no variants under it.

  • For how long the insured members are required to be hospitalised for seeking a claim?

    The insured individuals can request for a claim only after getting hospitalised for at least 24 hours. Only in the case of daycare treatments, the hospitalisation can be less than 24 hours. 

  • Does the policy has any co-payment feature?

    Yes, Kotak Health Premier Plan does have co-payment feature, which is applied and classified as per the zones. Zones are categorised in three types, such as:

    Zone I: Mumbai (including Thane and Navi Mumbai) and Delhi (including NCR areas)
    Zone II: Kolkata, Hyderabad, Chennai, Pune, Bangalore and Gujarat
    Zone III: Rest of India, excluding the locations mentioned under Zone I & Zone II 

  • Are pre-medical check-ups necessary to buy the Kotak Health Premier Plan?

    The customer might have to undergo some medical screening or tests based on the underwriting guidelines, which are issued by the insurance providing firm from time-to-time. The medical tests are facilitated by the insurance company only and are conducted at its network hospitals or diagnostic centres. The validity of these tests is up to 30 days. The charges of the medical test and the centre, at which such tests are conducted, are conveyed to the policyholders before the medical examination.  

  • Is there any health check-up coverage offered under the Kotak Health Premier Plan?

    The policy provides one free health check-up in each policy year at its network hospital for each and every insured individual above the age of 18 years. Availing these health check-ups will not impact the base sum insured or the cumulative bonus. This will be offered regardless of any claim under the policy.

  • Does the Kotak Health Premier Plan provide maternity and newborn baby cover?

    Yes, the policy offers the coverage for medical costs incurred during delivery or lawful termination of pregnancy. The cover is available for 2 deliveries across all policy years. However, pre and post-natal costs are also covered under the benefit. Besides, the plan covers medical expenses of newborn baby as well.  

  • Can I avail any tax-related benefits under Kotak Health Premier Plan?

    Yes, policyholders are eligible to get a tax exemption on the premium amount as per Section 80D of the Income Tax Act. With this feature, they can avail tax benefit up to Rs. 25,000 for people below 60 years & Rs. 30,000 for senior citizens.

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