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Kotak Kotak Health Super Top Up Health Insurance

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Kotak Mahindra Health Insurance
Kotak Health Super Top Up
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

About Kotak Kotak Health Super Top Up Health Insurance

Kotak Health Super Top Up is a super top-up policy by Kotak General Insurance. An excellent solution to increase the health insurance cover without paying too much premium, Kotak Health Super Top Up works alongside the basic health insurance policy and provides a larger cover when the need arises. One of the most effective ways to prevent lack of funds, Health Super Top Up policy becomes active and pays for the excess amount, once the deductible amount is crossed. Designed to ensure financial stability of policyholders, Kotak Health Super Top Up policy allows coverage for an entire family under one plan.

Available on individual and family floater basis, Kotak Health Super Top Up is definitely a great choice that you can make the most of by selecting the best one from multiple plan variants, depending on your requirements. Health Super Top Up by Kotak General Insurance is an ideal choice for policyholders who don’t want to compromise on their medical treatment even when their health plan gets exhausted. Offering coverage for expenses on in-patient hospitalisation, daycare treatment, pre & post hospitalisation medical expenses, ambulance cover, organ donor cover, alternative treatment, and various others, Kotak Health Super Top Up policy is an ideal investment. Available for a wide range of sum insured options and deductibles, Kotak Health Super Top Up is an additional advantage that helps you and your family members stay protected no matter what.

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • 100% restoration of sum insured for claims due to unrelated illness
  • 30 days pre-hospitalisation expenses & 60 days post-hospitalisation expenses
  • 10% additional annual sum insured for every claim-free year up to a maximum of 50%
  • Coverage for 405 daycare procedures requiring less than 24 hours of hospitalisation
  • Double sum insured for hospitalisation due to an accident, subject to max payout of Rs. 40 Lakh

What's Not Included

  • Acupressure, acupuncture, magnetic and such other therapies
  • Vaccination or inoculation of any kind, unless it is post animal bite
  • Expenses incurred on all dental treatment unless necessitated, owing to an accident
  • Costs of routine medical, preventive health check-ups, eye or ear examinations, and others
  • Any expenses incurred on personal comfort, cosmetics, convenience & hygiene, etc.

Kotak Health Super Top Up User Reviews

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What users are saying
  • All
  • Hi all, i have purchased this super top up policy 3 weeks back on family floater basis. Let me tell you that a...

    Read More
    N
    By Nishant Kumar
    On: Feb 11, 2020
  • I am so thankful to insurancedekho team for recommendation of this policy. It is because of your support that ...

    Read More
    S
    By Sudhanshu
    On: Feb 04, 2020
  • I wanted a policy to extend my covers. This one does exactly the same. The premium might be on the higher side...

    Read More
    K
    By Krishn Kumar
    On: Feb 03, 2020
  • It has not been more than 15 days that i bought this policy. InsuranceDekho advised me to buy this one as i wa...

    Read More
    C
    By Chetan Chauhan
    On: Jan 28, 2020
  • I have recently purchased this plan on family floater basis. This affordable super top up plan has covered me ...

    Read More
    N
    By Niti Khanduri
    On: Jan 14, 2020

Kotak Health Super Top Up Expert Review

  • Expert Review

    Kotak General Insurance, through its Kotak Health Super Top Up policy, offers additional financial support to those in need. The perfect means to increase health insurance cover without paying a significant premium amount, this super top up policy helps policyholders in ensuring superior quality healthcare. Allowing ‘More for Less’, Kotak Health Super Top Up policy comes across as a boon for multiple families that need extensive cover. Overall, the policy is a worthy choice. 

    Available for policy period of 1 year, 2 years and 3 years, Kotak Health Super Top Up can be purchased on both, individual and family floater basis. If you want to cover your entire family under one plan with superior cover, investing in super top up policy would be a good move to make. The best part is that the super top up policy comes with a wide range of sum insured & deductible options to suit the pocket of one and all. 

  • Major Attractions

    Kotak Health Super Top Up policy is specifically designed to prevent financial instability. Encapsulating features and benefits that avoid one from getting financially overburdened, the super top up policy takes care of expenses regarding inpatient treatment, pre hospitalisation, post hospitalisation, and various others. The prime expenses covered include -

    • 30 days pre & 60 days post hospitalisation 
    • 405 daycare procedures
    • Emergency ambulance expenses - Covered up to Rs. 2000 per hospitalisation
    • Hospitalisation expenses of the donor covered in case of an organ transplant
    • Coverage for alternative treatment expenses up to Rs. 50,000
    • Restoration of the sum insured - 100% for claims due to unrelated illness in a policy year
    • Double sum insured for hospitalisation, owing to an accident - Maximum payout of Rs. 40 Lakh
    • Cumulative Bonus – 10% additional annual sum insured for every claim free year up to a maximum of 50%
  • What’s More?

    There are multiple elements that make Kotak Health Super Top Up policy the preferred choice of one and all. Other than offering extensive coverage for various expenses, the super top up policy includes key aspects that make it worthy of investment. Below mentioned is the list of prime features that make the policy of great value -

    • Coverage for entire family under one plan
    • Assured lifelong policy renewal
    • A 15-day free look period from the date of receipt. However, if the policy is opted for 3 years, the free look period is of 30 days
    • Grace period of 30 days
    • Tax benefit under Section 80D of the Income Tax Act, 1961
  • Conclusion

    If you had a plan to buy a super top up policy to enjoy better health insurance coverage, rest assured investing in Kotak Health Super Top Up would be an ideal decision. Not only the policy is affordable, but also dependable, which is something you would also want.

    If interested in buying the Kotak Health Super Top Up policy, make sure you purchase it online for quick issuance and enabling policy transparency. As far as a platform is concerned, InsuranceDekho would be the best choice as it will help you avail claim settlement support, policy portability, and a string of other benefits to make the experience even better.

Kotak Kotak Health Super Top Up Brochure

  • 127.71 KB
  • PDF Document
  • Jul 25, 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 Super Top Up Health Insurance Plan

  • What are the key benefits of buying Kotak Health Super Top Up policy?

    On buying Kotak Health Super Top Up policy, you get covered for expenses related to in-patient treatment, daycare treatment, pre & post hospitalisation expenses, organ donor cover, restoration of sum insured, cumulative bonus, and various others. 

  • Can I buy Kotak Health Super Top Up policy even if I don’t have an existing health policy?

    Yes, you can! Kotak Health Super Top Up policy will become active once the deductible amount (covered under existing policy or borne by policyholder) gets crossed. So, even if you lack a health insurance policy at the present time, you can go for Kotak Health Super Top Up policy.  

  • Does Kotak Health Super Top Up policy cover ambulance expenses?

    Yes! The policy covers ambulance charges for up to Rs. 2,000 per hospitalisation. 

  • Is AYUSH treatment covered under Kotak Health Super Top Up policy?

    Yes! Kotak Health Super Top Up policy covers medical expenses for alternative treatment related to Ayurveda, Unani, Sidha and others up to Rs. 50,000. 

  • Can the amount for double sum insured for hospitalisation due to an accident be carried forward if unutilised in a policy year?

    No, carry forward of the unutilised amount to any subsequent policy year is not allowed under Kotak Health Super Top Up policy.

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