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Kotak Mahindra Health Insurance Top-up & Super Top-up Plans

A super top-up plan is an additional investment that helps the insured individual enhance their health insurance coverage. Working alongside the basic health insurance policy, a super top-up plan provides a better cover, without paying a high premium. An ideal supplement, a super top-up policy provides coverage over the threshold limit in multiple hospitalisations, unlike top-up plans that become active when the threshold limit on a regular policy gets exceeded on a single hospitalisation. An added protection with multiple benefits, super top-up plan is definitely a boon offered by health insurance companies.

Kotak Health Super Top-Up Policy

Super Top-Up Policy by Kotak Health Insurance is a beneficial super top-up policy that provides ‘More for Less’. Helping insured persons secure themselves even if their health insurance cover doesn’t due to a limit, Kotak General’s super Top-Up plan is an ultimate solution that prevents sky-rocketing medical costs from burning a hole in one’s pocket.

Key Benefits of Kotak Health Super Top-Up Policy

Kotak Health Super Top-Up Policy is a superior selection to pick. It is a reliable plan that can be availed for a period of 1 year, 2 years or 3 years. When it comes to sum insured range covered, note that it starts from Rs. 3 Lakh. The scope of coverage comprises cover for expenses such as in-patient hospitalisation, pre & post hospitalisation, organ donor expenses, ambulance charges, and:

  • Alternative treatment
  • 405 day care procedures
  • 100% restoration of sum insured for claims
  • 30 days pre & 60 days post-hospitalisation expenses
  • 10% additional annual sum insured for every claim free year up to a maximum of 50%
  • Double sum insured for hospitalisation due to an accident, subject to maximum payout of Rs. 40 lakh

Who Can Buy this Plan?

Available for one and all, the super top-up plan offered comes with a minimum entry age of 91 days and maximum entry age of 65 years.

Waiting Period Under the Plan

While waiting period for pre-existing diseases under Kotak super top-up plan is as per the variant opted for, the initial waiting period is 30 days. Moreover, there is a waiting period of 2 years for certain diseases and surgeries such as Hernia, Fissures/Fistula, Arthritis, Gout, and others.

Renewability of the Plan

Kotak Health Super Top-Up policy is lifelong renewable.

Exclusions Under the Plan

Kotak Health Super Top-Up policy does not cover you against the following:

  • HIV/AIDS
  • Claims related to criminal acts
  • Dental treatments, aesthetic or cosmetic surgeries
  • Procedures or treatments like routine health check-ups
  • Injury or illness due to abuse of intoxicating substances

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

Kotak Mahindra Health Insurance Plan List

  • Individual (3)
  • Family (3)
  • Woman (3)
  • Parents (3)
  • Blood Pressure (3)
  • Kids (3)
  • Thyroid (3)
  • Diabetes (3)
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Kotak Mahindra Health Insurance Plan List

  • Family (2)
  • Individual (2)
  • Parents (1)
  • Critical Illness (1)
  • Kids (1)
  • Maternity (1)
  • Senior Citizen (1)
  • Woman (1)
Name of PlanSum Insured
Kotak Health Care (Discontinued)Min: 91 Days; Max: 65 Years2 Lakh Check Premium
Kotak Secure ShieldMin: 18 Years; Max: 65 Years5 Lakh Check Premium
Kotak Health PremierMin: 91 Days; Max: 65 Years3 Lakh Check Premium
Arogya Sanjeevani PolicyMin: 18 years; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 years50 Thousand - 5 Lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 Lakh Check Premium

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Kotak Health Insurance User Reviews

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What users are saying
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  • Great experience with InsuranceDekho. I bought the Kotak General Health Plus Policy and I would recommend ever...

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    V
    Kotak
    By Vinod Tanwar
    On: Mar 08, 2024
  • What impressed me the most about InsuranceDekho was their personalised follow-up after purchasing my Kotak Gen...

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    S
    Kotak
    By Sumitra Nirmal
    On: Feb 28, 2024
  • Purchasing a health insurance policy from InsuranceDekho was so easy. I bought the Kotak General Health Insura...

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    S
    Kotak
    By Shrishti Dhaiya
    On: Jan 02, 2024
  • I am happy to buy the Kotak Mahindra Health Insurance Policy from InsuranceDekho as the buying process was smo...

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    S
    Kotak
    By Sanjay Banga
    On: Aug 23, 2023
  • InsuranceDekho has a smooth and secured payment gateway. I bought from them the Kotak Mahindra Health Insuranc...

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    A
    Kotak
    By Anuradha Goel
    On: Aug 11, 2023