Kotak Mahindra offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Kotak Mahindra
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Kotak Mahindra for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Kotak Mahindra policy
- The network hospital will send the hospital bill to Kotak Mahindra.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Kotak Mahindra about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About Zurich Kotak Health Insurance
Zurich Kotak (formerly known as Kotak) Health Insurance is the health insurance segment of the Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak General Insurance Company Limited). The company, which is a fully owned by the Zurich Kotak General Insurance Company (India) Limited, started its operations in November 2015. It offers multiple health plans in its portfolio that cover individuals and families against planned and emergency medical expenses.
The Zurich Kotak General Insurance Company (India) Limited comes with a quick and hassle-free claim process along with 24x7 customer assistance.
Types of Kotak Mahindra Insurance Plans
The Zurich Kotak Health Premier plan provides comprehensive coverage to the insured against high-rising medical expenses.
Features and Benefits:
- In-patient treatment, domiciliary hospitalization and alternative treatment are covered
- Hospital daily cash, convalescence benefit and home nursing benefit are available
- Maternity expenses, including the cost of newborn baby treatment and vaccination, are covered
- 100% restoration of the sum insured is possible once in a year
- Annual health check-up is available
- 10% cumulative bonus is granted for every claim-free year
- Critical illness cover and personal accident cover are available as add-ons
The Health Care plan allows the insured to customize the coverage of the policy as per their health needs and budget. The Plan comes in two types – Excel and Premium.
Features and Benefits:
- Coverage for in-patient, pre-hospitalization and post-hospitalization are available
- Day care procedures and ambulance charges are covered
- Free health check-up facility is available every year
- 10% cumulative bonus for up to 50% is granted for every claim-free year
- Critical illness cover and double sum insured for accidental hospitalization are available as optional covers
- Option to add hospital daily cash, convalescence benefit, room rent capping and donor expenses to the policy is also available
The Health Super Top-up plan covers the medical expenses of the insured when the sum insured limit of the base policy gets exhausted.
Features and Benefits:
- In-patient treatment and alternative treatment are covered
- Both pre-hospitalization and post-hospitalization expenses cover are available
- Organ donor expenses and ambulance charges are also payable
- Double sum insured is paid for accidental hospitalization
- 100% restoration of the sum insured is possible once in a year
- 10% cumulative bonus for up to 50% is granted for every claim-free year
The Secure Shield is a critical illness insurance designed to cover the insured against 18 critical illnesses and procedures.
Features & Benefits:
- Lump sum payment is paid on the diagnosis of the critical disease
- Coverage for accidental death and permanent total disability are available
- Child education benefit and loss of job benefits are also available
Accident Care is a personal accident insurance plan that provides financial support in case the insured meets with an accident.
Features and Benefits:
- Accidental death and permanent total disablility are covered
- Coverage for permanent partial disablement and temporary total disablement are available
- Children’s education grant, carriage of the dead body, ambulance cover and funeral expenses are available as an add-on
- Option to add accidental hospitalization expenses, convalescence benefit and accidental hospital daily cash benefit is also available
The Zurich Kotak Hospital Daily Cash plan has been designed to cover out-of-pocket expenses incurred during hospitalization, such as the cost of consumables, food, conveyance, etc.
Features and Benefits:
- Lump sum benefit is paid on the diagnosis of COVID-19
- Coverage for in-patient hospitalization expenses are available
- OPD benefit, ICU daily cash benefit, convalescence benefit and hospital daily cash benefit are available as optional covers
- Pre-post hospitalization expenses, ambulance cover and room rent capping are also available as optional covers
Key Benefits of Zurich Kotak Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search Kotak Mahindra Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a Zurich Kotak health insurance claim:
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Claim FormDuly filled and signed Zurich Kotak health insurance claim form
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Health Card/Policy CopyHealth card or a copy of Zurich Kotak health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsMedical test and investigation reports with payment receipts, Surgeon's bills and payment receipts
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KYC DocumentsNEFT and KYC details
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Legal DocumentsFIR/Self-declaration/ Medico Legal Certificate (MLC) in case of an accidental hospitalization
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a Zurich Kotak Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred Zurich Kotak health insurance policy and pay the premium online
The process to renew a Zurich Kotak Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the Zurich Kotak health insurance policy you want to renew and pay the premium online
Explore Kotak Mahindra Health Insurance
Take a look at the Zurich Kotak Health Insurance contact number below:
| Categories | Contact Details |
|---|---|
| Toll-free No. | 1800-266-4545 |
| Phone No for Overseas Customers | 022 6124 9600 |
| Email Id | care@zurich kotak.com |
Zurich Kotak Health Insurance: FAQs
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Q1: What is the claim settlement ratio of Zurich Kotak (formerly known as Kotak) Health Insurance?
Ans: Zurich Kotak (formerly known as Kotak) Health Insurance enjoys a claim settlement ratio of 97%.
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Q2. How can I check the premium of a Zurich Kotak (formerly known as Kotak) Health Insurance plan?
Ans: You can take a look at the Zurich Kotak health insurance premium chart to know the premium of a health plan. Alternatively, you can also use a Zurich Kotak (formerly known as Kotak) Health Insurance premium calculator on Policybazaar.com to know the estimated premium that you will have to pay for a policy.
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Q3. Where can I get a Zurich Kotak (formerly known as Kotak) Health Insurance hospital list?
Ans: You can get the Zurich Kotak (formerly known as Kotak) Health Insurance hospital list for cashless treatments with your health insurance policy document provided by your insurer. You can also get a city-wise list of network hospitals of Zurich Kotak General Insurance Company (India) Limited at Policybazaar.com.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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