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Kotak Health Premier Insurance Wordings

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

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Kotak Kotak Health Premier Brochure

  • 223.44 KB
  • PDF Document
  • Jul 24, 2019

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

    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

      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.

      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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