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Kotak Secure Shield Health Insurance

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Kotak Mahindra Health Insurance
Kotak Secure Shield
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 Secure Shield Health Insurance

Unforeseen medical-related expenses can easily burn a hole in anyone’s pocket & drain the savings. The medical treatments and procedures for critical illnesses are becoming unaffordable day-by-day due to medical inflation, which is rising at a double pace in comparison to the general rise in inflation. Also, one can easily observe a high rise in the number of people suffering from critical illnesses such as heart attack, cancer, etc. Hence, without compromising on the quality of treatment, one can only shield his or her family from such events with a medical insurance plan like Kotak Secure Shield Plan.

The Kotak Secure Shield Policy is framed to safeguard individuals as well as families against critical diseases by providing a financial cushion. Under this plan, the policyholders can opt for different advantages like critical illness, personal accident and/or loss of job benefit. The plan allows people between the age of 18 years and 65 years with lifelong renewability option to get covered under the plan. The policy is offered with the policy term of 1, 2, and 3 years and offer the sum insured options of Rs. 5 Lakh and Rs. 10 Lakh, which makes the treatment go hassle-free.

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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

  • Loss of job benefit is available
  • Offers the child education benefit
  • Flexible policy period of 1 to 3 years
  • Comprehensive critical illness cover
  • Availability of personal accident benefit

What's Not Included

  • Treatment of any sexually transmitted disease
  • Self-inflicted or self-destruction injury treatment
  • Injuries suffered during war or warlike operations
  • Consumption or abuse of intoxicating substances
  • Medical condition within 90 days of the policy start

Kotak Secure Shield User Reviews

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What users are saying
  • All
  • Supportive Customer Service

    InsuranceDekho's customer service team is not only responsive but also empathetic, which makes a big difference during stressful situations. I received three timely help on numerous occasions for my Kotak General- Kotak Secure Shield Policy.

    T
    By Taposh Ghosh
    On: Sep 15, 2023
  • Accessible Network of Hospital...

    On a friend’s recommendation, I bought the Kotak-Kotak Secure Shield. I am so happy and relieved to know that InsuranceDekho has an impressive network of hospitals and healthcare providers. It's reassuring to know I can access quality healthcare when needed.

    H
    By Harsh Agarwal
    On: Sep 08, 2023
  • Received good assistance

    I was new to InsuranceDekho for buying insurance plans. I was not only informed about how the Kotak General- Kotak Secure Shield would suit my needs well but also I was told about its claim process and other details in a complete manner. A big thanks to the team here for supporting me in every way. 

    S
    By Sagar Lal
    On: Aug 07, 2023
  • Perfect Fit for My Family's He...

    InsuranceDekho offered a health insurance plan that perfectly fits my family's needs. The Kotak General- Kotak Secure Shield Policy provided coverage for all family members, giving us the peace of mind we sought.

    S
    By Sagar Kathuria
    On: Jul 25, 2023
  • Cost-Reliable Health Insurance...

    I always thought of securing me and my family financially. While searching I found Kotak General- Kotak Secure Shield listed on the official website of InsuranceDekho. The health plan was offering great benefits at an affordable price. Besides this, the company has an informative website and other facilities that made my purchase of a health insurance plan quick and easy.   

    A
    By Ayesha Nasim
    On: Jul 12, 2023

Kotak Secure Shield Expert Review

  • Expert Review

    Kotak Secure Shield by Kotak General Insurance is the perfect critical illness insurance one can ask for. Providing superior coverage for you and your family against high medical bills that come with critical illness treatments, the policy doesn’t let one compromise on the quality of healthcare due to money concerns. All in all, a boon, Kotak Secure Shield is the ideal solution you can depend on to get all your health and financial concerns handled, without any hassle.

    When it comes to the eligibility age, Kotak Secure Shield serves all, starting from the age range of 18 years up to 65 years. The policy is a Benefit Product that you can avail for a policy period of either 1, 2, or 3 years, as per your needs. Providing a financial cushion to individuals and family members alike, Kotak Secure Shield helps countless people tackle unforeseen medical expenses and huge financial strain for sum insured range options starting from Rs. 5 Lakh to Rs. 10 Lakh.

  • Major Attractions

    Kotak Secure Shield prevents from getting your savings drained, while keeping your peace of mind intact. The policy provides a big relief to insured by covering expenses for critical illnesses, procedures, and medical events such as Cancer of Specified Severity, Alzheimer’s Disease, Parkinson’s Disease, End-stage Lung Failure, Apallic Syndrome, and others. To help insured individuals gain more benefits, the policy provides additional features such as - 

    • Flexible policy period
    • Covers individuals and families
    • Coverage for 34 critical illnesses/procedures/medical events
    • Critical illnesses covered - Cancer of specified severity, Kidney failure requiring regular dialysis, Multiple sclerosis with persisting symptoms, and 15 others
    • Surgical procedures covered - Major Organ/Bone Marrow Transplant, Aorta Graft Surgery, Open Chest CABG, and 4 others
    • Medical events covered - Loss of Speech, Blindness, Major Head Trauma, and 6 others
    • Personal accident benefit (in case of death or permanent total disability due to an accident)
    • Child education benefit (in an event of your demise or permanent total disability)
    • Loss of job benefit (loan allowed in case of loss of job)
  • What’s More?

    Kotak Secure Shield is undoubtedly the best shield you can use against critical treatment expenses and prevent yourself from becoming financially unstable. The major reason behind the popularity of the policy are its multiple benefits and features. Also, what increase the worth of the critical illness policy are elements that include - 

    • Lifelong renewal allowed
    • Free look period - 15 days
    • Affordable premium rate
    • Hassle-free claim process
    • Tax benefits under Section 80D of the Income Tax Act, 1961
  • Conclusion

    To conclude, Kotak Secure Shield is an excellent critical illness insurance plan by Kotak General Insurance you can choose to keep yourself financially intact. 

    If interested in choosing Kotak Secure Shield as your critical illness insurance cover, opt for online purchase of policy to enable quick issuance. As far as InsuranceDekho, as a online purchase platform is concerned, it will be an ideal choice to go with to avail benefits like policy portability, policy transparency, claim settlement support, and numerous others. 

Kotak Kotak Secure Shield Brochure

  • 454.14 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 Secure Shield Health Insurance Plan

  • What is the entry age for the Kotak Secure Shield Plan?

    People between the age group of 18 years and 65 years are entitled to purchase Kotak Secure Shield Plan.

  • What is the sum insured limit offered under this insurance plan?

    The sum insured options provided under this plan are of Rs. 5 Lakh and Rs. 10 Lakh.  

  • Does Kotak Secure Shield Plan offer any policy term option?

    Yes, the Kotak Secure Shield Plan offers the policy period tenure of 1, 2 and 3 years.

  • Is there any free-look period offered under the plan?

    Yes, the plan allows a free-look period of 15 days, so policyholders can familiarize themselves with the policy details and features. They can even cancel the policy within these 15 days, i.e., from the receipt of the policy document, if they don’t find the policy suitable for them or their family members. 

  • Is there any grace period available under Kotak Secure Shield Plan?

    Yes, the policy offers 30 days for renewal, as a grace period, to its policyholders.

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