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Kotak Mahindra Health Insurance for Parents

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Highlights
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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Disclaimer : Actual Premium might vary basis your location, age and number of members

Kotak General : Health Insurance for Parents

“A healthier tomorrow starts today” is what Kotak Health Care believes in. An affordable and dependable choice for parents, Health Care is a plan that keeps the elderly well-protected and away from financial concerns. The plan not only covers medical bills, but also free health check-up, optional covers, cumulative bonus and numerous other benefits. For added protection, the plan offers the option of add-ons that can be purchased on payment of additional premium. Kotak Health Care is the best means to not let the parents spend their lifelong savings on unexpected medical costs.

Key Features

  • Multiple variants available namely - Excel, Premium, and Prime
  • Policy tenure - 1/2/3 years
  • Guaranteed lifelong renewability
  • Sum insured - Rs. 2 Lakh to Rs. 100 Lakh
  • Tax benefits under Section 80D of IT Act 1961
  • Cumulative bonus of 10% on base sum insured
  • 15 days free-look period

Scope of Coverage

  • Inpatient hospitalisation
  • Cashless settlement of claims
  • 30 days pre-hospitalisation expenses
  • 60 days post-hospitalisation expenses
  • Coverage for up to 150 daycare procedures
  • One free health checkup per year
  • Emergency ambulance cover
  • Multiple optional covers for added protection

Eligibility

Kotak Health Care comes with a minimum entry age of 91 days and a maximum entry age of 65 years.

Exclusions

  • Dental treatment
  • Certain specified illnesses
  • Aesthetic or cosmetic surgeries
  • Procedures/treatments such as routine health check-ups
  • Injury or illness owing to abuse of intoxicating substances and others

Kotak Health Care is a superior health insurance for parents. If willing to secure your parents’ health like never before, uncover more about the plan before investing in it. For details, get in touch with experts at InsuranceDekho at 1800 1205 698 right now!

Health Insurance Coverage Calculator

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  • Individual
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  • Parents

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Disclaimer : Actual Coverage might vary basis your location, age and number of members
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Kotak Mahindra Health Insurance Contact Details

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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.

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FAQ About Kotak Mahindra Health Insurance

  • Is there any waiting period for the pre-existing diseases for parents under health insurance plans offered by Kotak General Insurance?

    Yes. There is a waiting period of 4 years for pre-existing diseases for parents under health insurance plans offered by Kotak General Insurance. 

  • Is there any dedicated support team to address the queries of senior citizens?

    Yes. Kotak General Insurance has a separate channel for addressing claims and grievances of the senior citizens. You can drop a mail at seniorcitizen@kotak.com. 

  • What are the sum insured options available for parents under health insurance plans offered by Kotak General Insurance?

    Parents are provided with the following sum insured options under health insurance plans by Kotak General Insurance-Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, Rs. 10 lakh, Rs. 15 lakh, Rs. 20 lakh, and Rs. 25 lakh.