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Kotak Health Premier 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 Premier
Based on
27 User reviews
  • Learned about claim settlement ratio

    I learned about the claim settlement ratio on InsuranceDekho. It is an important factor and everyone must check the claim settlement ratio before selecting any insurance company. I compared the ratios of all insurance companies before finalising  Kotak’s Kotak Health Premier plan. 

    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 purchase for me. I am getting the flexibility to cover multiple family members. The benefits that i am getting are in-patient treatment, ambulance cover, daycare treatment, restoration benefit, maternity benefit, and more.

    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 requirements. I found the same to be true as well. After all, i am getting high cover at low premium without any issues. So, i am fully satisfied. 

    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 much cover. I am getting covered for in-patient treatment, daycare treatment, maternity benefit, cumulative bonus, ambulance cover, restoration benefit, and others. What’s helpful is that i am able to cover my siblings also under it.      

    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 policy i am getting covered for all that i wanted. The premium might be a little high for me, but overall i think my premium money will be worth it.  

    Gauri Singh
    On: Feb 03, 2020
  • Must BuyMust Buy

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  • Covers multiple relations for me

    The reason i have purchased this cover is because it is providing me coverage for parents-in-law as well as siblings. Must say that the premium is very less also. Services by kotak until now good. I expect a lot from this insurer.

    Sanchit Agarwal
    On: Jan 30, 2020
  • Good plan for family

    I had always wanted a family that helps me cover my family. So glad that i have kotak health premier that covers me as well as my spouse, children, parents, parent in laws, and siblings. At such less premium rate, i am getting covered for in-patient treatment, maternity benefit, daycare treatment, ambulance cover, cumulative bonus, etc.

    Atul Chaudhary
    On: Jan 17, 2020
  • Comes with maternity benefits and more

    So, i was in search of a reasonable plan with multiple benefits. Thanks to insurancedekho i found kotak health premier. Now i am covered for benefits like maternity, in-patient treatment, restoration benefit, daycare treatment, ambulance cover, cumulative bonus, and many others. The best part is that the premium amount is very less.

    Manish Singh
    On: Jan 09, 2020
  • Vast cover for members

    I bought this policy around 18 days back. This policy by kotak covers my full family, including my in laws and siblings. My coverage features are in-patient treatment, daycare treatment, ambulance cover, maternity benefit, restoration benefit, cumulative bonus, and many others. I have also got add-on covers like critical illness cover and cap on room rent with this.  

    On: Jan 01, 2020
  • No financial issue with this plan

    After i have chosen health premier of kotak as my health insurance plan, all my tensions related to money have gone away. I recommend this plan because it is offering wide coverage, less premium, and that too after covering parents in law & siblings. I must say that with this plan, kotak has done really a good job. 

    Gajanan Govind Bargaje
    On: Dec 27, 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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