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Kotak Secure Shield Health Insurance User Reviews

114 reviews Rate This
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

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Rating of Kotak Secure Shield
Based on
33 User reviews
  • 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.

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    Taposh Ghosh
    On: Sep 15, 2023
  • Accessible Network of Hospitals

    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.

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    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. 

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    Sagar Lal
    On: Aug 07, 2023
  • Perfect Fit for My Family's Health Needs

    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.

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    Sagar Kathuria
    On: Jul 25, 2023
  • Cost-Reliable Health Insurance Plan

    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.   

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    Ayesha Nasim
    On: Jul 12, 2023
  • Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers
  • Marvellous Services

    I bought the Kotak General- Kotak Secure Shield from InsuranceDekho. The health plan and the help offered by the company were appreciable. Some of the features like WhatsApp communication, chatbot feature, and policy tracking facility were great. I am pleased to secure myself and my family financially against maximum critical illnesses.

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    Shivanshu Apte
    On: Jun 29, 2023
  • Affordable Financial Protection

    It was easy to purchase a health insurance plan from InsuranceDekho. I bought the Kotak General- Kotal Secure Shield from their online platform. The insurance advisors of the company explained all the policies available in detail. It was very easy for me to compare the plans and choose the best for myself. My heartful thanks to the company for helping me in buying the best health insurance plan. 

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    Aviraj Chandra
    On: Jun 16, 2023
  • Saved my savings

    Kotak Secure Shield Plan is a great option for anyone who wants a safe, secure cover for critical illnesses. This policy is very much affordable and covers me for 18 types of critical illnesses, procedures & medical events. Without spending too much, i am getting covered for personal accident, loss of job benefit and more as well.

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    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 the plan gives good cover at less premium rates. I am covered for 34 critical illnesses, surgical procedures and others. The policy period is flexible. Child education benefit is also available.

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    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 illness cover. I am satisfied with the policy because it is covering me for loss of job benefit, child education benefit, personal accident benefit, and other features that are hard to get in other plans.

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    Neha Patil
    On: Feb 03, 2020

FAQ About Kotak Mahindra Health Insurance

  • Why should I buy a health insurance policy from Kotak General Insurance?

    Kotak General Insurance is an ideal choice for both, individuals as well as families that wish to invest in health insurance without breaking their bank. Reasons that make the insurer different than the others include customer-centric operations, customised products and services, digitally enabled processes, efficient claims handling, strong management practices, team of experienced professionals, and others. Talking specifically about policies, the insurer provides comprehensive coverage against the expenses of medical treatment in case of medical emergencies, and that too at a low premium.


  • How to buy and apply for Kotak Mahindra health insurance policy?

    To apply for and purchase a Kotak Mahindra health insurance policy online, you can either visit the official website of Kotak General Insurance or at InsuranceDekho. If possible, you can also visit the nearest branch of Kotak General Insurance and uncover more about different policies offered and learn about their purchase in a detailed manner.

  • What are the health insurance policies offered by Kotak General Insurance?

    Under its health category, Kotak General Insurance offers plans such as Kotak Secure Shield, Kotak Health Premier, Kotak Health Care, Kotak Accident Care, and Kotak Health Super Top Up. 

  • Does Kotak General Insurance offer critical illness cover?

    Yes, Kotak General Insurance provides comprehensive coverage for 18 types of critical illnesses under its Kotak Secure Shield policy.

  • What is the Claim Settlement Ratio of Kotak General Insurance?

    The Claim Settlement Ratio of Kotak General Insurance for FY 2019-20 is 75.45%.

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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Insurance Products by Kotak General Insurance