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.

Kotak Health Premier Insurance Wordings

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Highlights

Cashless Approval TAT	Within 35 minutes
Claim Settlement Ratio	97%
Network Hospitals	9,450+
Pre-existing Waiting Period	4 year
Special Benefits	No Capping on Room Rent
Starting Premium for Rs. 5 lakhs SI	Rs. 489/month

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Kotak Kotak Health Premier Brochure

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Jul 24, 2019

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Kotak Mahindra Health Insurance Plan List

Family (2)
Individual (2)
Parents (1)
Critical Illness (1)
Kids (1)
Maternity (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Kotak Health Care (Discontinued)Min: 91 Days; Max: 65 YearsPopular	2 Lakh	Check Premium
Kotak Secure ShieldMin: 18 Years; Max: 65 Years	5 Lakh	Check Premium
Kotak Health PremierMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 18 years; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 years	50 Thousand - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 Lakh	Check Premium

Kotak Mahindra Health Insurance Top Up List

Top-up (1)

Name of Plan	Sum Insured
Kotak Health Super Top UpMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium

Choose Kotak General Plan for

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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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

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Kotak Mahindra Health Insurance
1800-266-4545Mon to Sat 8:00 AM to 8:00 PM
care@kotak.com