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Kotak Term Insurance User Reviews

171 reviews Rate This
Kotak Term Insurance
Highlights
Claim Settlement Ratio98.50%
Customer Care8:00 AM to 10:00 PM
Death Benefit Paid For3,225 Policies
Inception2001
Presence232 Branches
Total Death Benefit PaidRs. 170.14 Crore

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Choose required coverage to secure your family’s future

50L
1Cr
1.5Cr
2Cr
Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

Best Kotak Term Insurance Plans

1 Crore
1.5 Crore
2 Crore
2.5 Crore
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.51%
Starting From ₹ 682/Month
Claim Settlement
Key Features:
  • Right Green Tick Zero Cost Benefit
  • Right Green Tick Terminal Illness
  • Right Green Tick Nominee's Choice payout
  • Right Green Tick Voluntary Top Up
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹95.28%
Starting From ₹ 812/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Waiver of Premium on Disability
  • Right Green Tick Terminal Illness
  • Right Green Tick Life Stage Benefit
  • Right Green Tick Special Exit Benefit
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.39%
Starting From ₹ 771/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Terminal illness
  • Right Green Tick Special Exit - Option to get your premiums back
  • Right Green Tick Renewability Option
See More Plans
Rating of Kotak
4.6
Based on
171 User reviews

  • Hassle-free comparisons

    It is very easy to compare several term insurance plans at the same time with the help of InsuranceDekho. The premium calculator helped me compare several term insurance plans that fit in my budget. The plan details and information helped me make an informed decision and I purchased Kotak Saral Jeevan Bima. 

    R
    Ram Malpani
    On: Sep 28, 2021

  • Hassle-free quotes comparison

    Using the online term insurance premium calculator it was very easy to compare many term insurance plans at once. The premium calculator instantly displayed several term insurance plans as soon as I entered basic details such as my name, gender, age and sum assured. After comparing several plans, I purchased a Kotak e-Term plan. 

    K
    Kanishk Maggo
    On: Sep 23, 2021

  • Easy policy issuance

    I purchased a Kotak e-Term plan from InsuranceDekho and I must say that the policy issuance was quick and very easy. No paperwork was required for policy issuance. The policy was issued as soon I made the payment and was sent to my email ID. 

    S
    Suraj Kumar
    On: Sep 22, 2021

  • Easy claim settlement

    I was having trouble filing a claim for my Kotak e-Term plan. I landed on the claim settlement page of the InsuranceDekho’s website and noticed the claim intimation instructions. I followed the instructions and filed for a claim easily. The claim was settled on time. I am quite happy with my experience with InsuranceDekho. 

    S
    Sanjeev Mathur
    On: Sep 15, 2021

  • Hassle-free claim settlement

    I wanted to file a claim for my Kotak Term plan. I must say when I filed a claim with InsuranceDekho, I was provided with expert advice and helpful instructions to file a claim with InsuranceDekho. The customer care team helped me at each step of the process. I am extremely happy I chose InsuranceDekho for claim settlement. 

    M
    Mihir Kolhi
    On: Sep 14, 2021

  • The website is helpful

    I visited InsurancDekho’s website to purchase a good term insurance plan. I purchased a Kotak eTerm plan from the website after going through the detailed instructions that were displayed on the website. The website is well designed and very user friendly. 

    I
    Ishika Mathur
    On: Sep 08, 2021

  • Easy premium calculation

    Premium calculation at InsuranceDekho is as easy as it gets. I was able to instantly calculate premium and compare several term insurance by adding my personal information, coverage amount, policy term etc. I purchased Kotak's e-Term plan after calculating premium using the online premium tool on the website. 

    D
    Dharmadev Sapan
    On: Sep 07, 2021

  • Pocket friendly term insurance policies

    I had a pre-decided premium limit when I was considering purchasing a term insurance policy. I landed on InsuranceDekho’s website and calculated the premium according to my budget and insurance requirements. I found a number of term insurance policies that fit my budget, and finally selected Kotak’s eTerm Plan. 

    P
    Priyank Chatterjee
    On: Sep 02, 2021

  • Convenient comparisons

    I was able to compare several term insurance policies at the same time at the InsuranceDekho’s website. The plan details and information helped me make an informed decision and I purchased Kotak Saral Jeevan Bima. 

    A
    Abhinav Kurupath
    On: Sep 01, 2021

  • Bought the perfect policy

    I am so glad that I have found my forever support in InsuranceDekho. You guys helped me so much during my Kotak Saral Jeevan Bima policy purchase. I will recommend you guys for sure! 

    M
    Mudrika Sharma
    On: Aug 26, 2021

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Claim Process at Kotak Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.

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FAQs

  • What is the customer helpline number of Kotak Life Insurance?

    The toll-free customer helpline number of Kotak Life is - 1800 209 8800.

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

    Kotak Life featured an excellent claim settlement ratio of 96.38% for FY 2019-2020 as per the IRDA annual report.

  • What is the difference between term insurance and life insurance?

    A term insurance plan provides the sum assured to the nominees/beneficiary in case of an unfortunate event. Life insurance provides benefits at the maturity of the plan.

  • Can Non-Resident Indians (NRIs) purchase Kotak Life Term insurance plans?

    Yes, NRIs who have legal citizenship of India can purchase Kotak life term insurance plans.

  • Does Kotak Life Term insurance plans offer tax benefits?

    Kotak Life offers tax benefits under Section 80C and Section 10(10D) of The Income Tax Act, 1961.

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