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Kotak Mahindra Health Insurance for Senior Citizen

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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 Senior Citizen

Kotak Health Premier comes across as the ultimate support system for senior citizens. Offering a comprehensive coverage along with lifelong renewability, the plan promises an uninterrupted medical treatment to the elderly. Available on both, individual as well as family floater sum insured basis, Kotak Health Premier prevents financial crisis owing to unexpected medical costs. Right from basic benefits to various optional covers, Kotak Health Premier has a string of benefits to offer.

Key Features

  • Sum insured - Rs. 3 Lakh to Rs. 25 Lakh
  • Policy tenure - 1, 2, and 3 years
  • Cumulative Bonus up to 50% or 100% of the sum insured
  • One free health check-up per year
  • Second e-opinion cover
  • Multiple health rewards
  • 100% restoration of base sum insured
  • Optional covers such as hospital daily cash, convalescence benefit, home nursing benefit, and others

Scope of Coverage

  • Inpatient hospitalisation
  • 405 daycare procedures
  • Emergency ambulance cover
  • Organ donor cover
  • Domiciliary hospitalisation
  • Alternative treatment
  • 30 days pre and 60 days post hospitalisation expenses

Eligibility

For Kotak Health Premier, the minimum entry age is 91 days. On the other hand, the maximum entry age for the policy is 65 years.

Exclusions

  • Intentional self-injury
  • Claim related to criminal acts
  • Aesthetic treatment, cosmetic surgery
  • Experimental, unproven or non-standard treatment
  • Injury/illness due to intoxicating drugs, alcohol, mental Illness

Kotak Health Premier is an exceptional health insurance for senior citizens. If interested in exploring more about the plan before buying it, initiate contact at InsuranceDekho at 1800 1205 698 to speak to our experts right away!

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • 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

  • What is the maximum entry age for senior citizens under health insurance policies offered by Kotak General Insurance?

    The maximum entry age for the senior citizens under health insurance policies offered by Kotak General Insurance is 65 years. 

  • 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.