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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)
Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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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User Reviews

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  • Customer service was very help...

    Using InsuranceDekho to get Kotak Health Insurance was really simple. They provided excellent customer service and were very transparent about the plans. Both the coverage and the cost are reasonable. Strongly advised!

    P
    Kotak
    By Prisha Khanna
    On: Jun 24, 2024
  • Valid information that made th...

    My health insurance plan from Kotak provided me with the ideal mix of price and coverage. They were an excellent option because of their easy-to-use interface and hassle-free policy administration. Making the Kotak choice via InsuranceDekho changed everything. Because I had access to all the information I required, making decisions was simple and stress-free.

    P
    Kotak
    By Pravesh Kher
    On: Jun 11, 2024
  • Easy and Simple Process

    Finding the correct health insurance can be difficult, but InsuranceDekho makes it stress-free. I was impressed with how easy it was to research and compare Kotak Health Insurance products on their website. The wording utilized was simple, and I wasn't overwhelmed by technical jargon. Thanks to InsuranceDekho, I discovered the ideal Kotak coverage for my family's health needs.

    C
    Kotak
    By Chhavi Kalra
    On: Jun 06, 2024
  • Transaction and claim process ...

    To be honest, choosing Kotak Health Insurance saved my life. It provided me with instant aid by paying my unexpected hospital fees. The transaction proceeded well, and InsuranceDekho provided excellent assistance. I recommend everyone to get it!

    K
    Kotak
    By Kaira Bajaj
    On: Jun 06, 2024
  • Personalised Follow-up

    What impressed me the most about InsuranceDekho was their personalised follow-up after purchasing my Kotak General health insurance policy. The company genuinely cared about my well-being and this level of customer engagement sets them apart. Thank you InsuranceDekho for such a great service.

    S
    Kotak
    By Sumitra Nirmal
    On: Jun 03, 2024