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Kotak Term Insurance User Reviews

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

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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
    Tax Free
    1 Cr
Starting From 706/Month
24hr Claim Settlement
Key Features:
  • Special Exit
  • Terminal Illness
  • Nominee's Choice payout
  • Voluntary Top Up
  • Tax Benefits
    Tax Free
    1 Cr
Starting From 787/Month
24hr Claim Settlement
Key Features:
  • Tax Benefits
    Tax Free
    1 Cr
Starting From 857/Month
24hr Claim Settlement
Key Features:
  • Waiver of Premium on Disability
  • Terminal Illness
  • Life Stage Benefit
  • Tax Benefits
See More Plans
Rating of Kotak
Based on
164 User reviews
  • Received timely assistance

    I contacted InsuranceDekho’s team because I had some queries related to my Kotak e-Term plan. The customer care team reached out to me quickly and helped me resolve my queries regarding my Kotak e-Term plan. I am very thankful to InsuranceDekho for the services provided. 

    Read More
    Arav Visala
    On: Feb 28, 2023
  • Secure payments

    I must say that the payments made for the purchase of a term insurance plan from InsuranceDekho are completely secured. I purchased a Kotak E-Term plan from InsuranceDekho and the payments were completely secured. I was given the option of payment through Netbanking, Credit/Debit card, UPI, E-wallets etc. 

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    Nirmala Bhattia
    On: Feb 02, 2023
  • Smooth comparisons

    It is very easy to compare term insurance plans on InsuranceDekho’s website using the online term insurance premium calculator tool. I had to enter a few personal details such as age, gender, date of birth along with sum assured and term insurance plans were displayed instantly based on the information provided. I compared and selected Kotak’s e-Term plan from InsuranceDekho. 

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    Mubarak Sethi
    On: Feb 01, 2023
  • Got to know about useful riders

    While purchasing Kotak’s e-Term plan from InsuranceDekho I got to know about some useful riders which can help me increase the scope of coverage of my term plan. I purchased the term plan and added a suitable rider to my term plan. 

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    Maveer Gupta
    On: Jan 31, 2023
  • User-friendly website

    The InsuranceDekho website is a user-friendly website. While buying the Kotak - e term plan, I could easily locate its benefits because of the well-managed website. The plan offered many benefits and was worth buying. 

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    Niyati Aggarwal
    On: Jan 25, 2023
  • Helpful customer care services

    I had some queries related to my Kotak’s e-term plan which I had purchased from InsuranceDekho. I contacted the customer care number of InsuranceDekho to get my queries resolved, the customer care assistant provided me with effective solutions.

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    Deepan Kaliranjan
    On: Jan 19, 2023
  • Best insurance companies listed

    The best part about InsuranceDekho is that I found a list of insurance companies based on their claim settlement ratio. I found some of the best insurance companies listed on InsuranceDekho’s website. The information on the website regarding the insurance gave me the confidence to choose and purchase Kotak’s e-term Plan from InsuranceDekho. I am very happy with my purchase.

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    Vishal Kumar
    On: Jan 18, 2023
  • Policy issuance is extremely easy.

    InsuranceDekho recommended the Kotak Term plan to me. I was concerned that I would not be able to obtain policy information or a soft copy of the policy documents on time. The insurance details were delivered to my email address minutes after I made the payment, and a soft copy of the policy documents followed shortly after. InsuranceDekho makes policy issuance simple. 

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    Komal Mehta
    On: Jan 09, 2023
  • Amazing benefits

    I purchased the Kotak - e term plan from InsuranceDekho a while ago. The plan included all of the features I was searching for. When I had to renew this plan I got a reminder from InsuranceDekho, which was quite helpful as I was able to renew my term plan on time. I am satisfied with my purchase and the services provided by InsuranceDekho. 

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    Manya Sabarwal
    On: Jan 04, 2023
  • 7 days availability

    I visited the InsuranceDekho website on a Sunday to buy the Kotak - e term plan from their website. They were available even on a Sunday to attend to my queries and problems. Loved their services. 

    Read More
    Yukti Batra
    On: Dec 28, 2022

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Kotak Term Insurance Contact Details

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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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FAQ About Kotak Term Insurance

  • 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.