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Kotak Secure Shield Health Insurance

26 reviews Rate This
Kotak Secure Shield
Claim Settlement Ratio93%
Free Health CheckupAvailable
In-House Claim SettlementAvailable
Network Hospitals6,700+
Policies Sold3,49,931

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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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
  • Saved my savings

    Kotak Secure Shield Plan is a great option for anyone who wants a safe, secure cover for critical illness...

    Read More
    By Hemant Pandey
    On: Feb 11, 2020
  • Great experience as of now

    I want to thank insurancedekho for helping me get this cover. Must say that i made the right choice because th...

    Read More
    By Harshit Johri
    On: Feb 07, 2020
  • New experience but good

    I am a very new customer of this plan. I have had kotak plans before, but this one is new because of critical ...

    Read More
    By Neha Patil
    On: Feb 03, 2020
  • Exceptional plan

    It was after my friend’s recommendation that i purchased this policy. I am quite satisfied with the cove...

    Read More
    By Naresh Bhai
    On: Jan 20, 2020
  • Good one for critical illness

    I bought this plan to help me cover expenses for critical illnesses. This plan covers me for heart attack, can...

    Read More
    By Jai Pratap Singh
    On: Jan 16, 2020

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.

  • Does Kotak Secure Shield Plan provide the option of lifelong renewability?

    Yes, the plan offers the lifelong renewability feature.

  • What are the major types of coverage offered by Kotak Secure Shield Policy?

    The plan offers Comprehensive Critical Illness Cover, Personal Accident Benefit, Child Education Benefit, and Loss of Job Benefit.

  • How many types of critical illnesses are covered by the Kotak Secure Shield Policy?

    The plan provides the coverage for 18 types of critical illnesses, procedures & medical events. 

  • What is the waiting period for pre-existing diseases?

    Any pre-existing disease will only be covered after a period of 48 months of continuous coverage under the plan.

  • Can I avail any tax-related benefits with the purchase of Kotak Secure Shield Policy?

    Yes, the policyholders can earn a tax exemption on the premium amount of the plan as per Section 80D of the Income Tax Act.

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