Kotak Mahindra Health Insurance

(11 Reviews)
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      Overview of Kotak Mahindra Health Insurance

      Kotak Mahindra health insurance is the health insurance segment of the Kotak Mahindra General Insurance Company. The company, which is a fully owned by the Kotak Mahindra Bank 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 Kotak Mahindra General Insurance Company comes with a quick and hassle-free claim process along with 24x7 customer assistance. Moreover, the company has earned an incurred claim ratio of 72.11% in FY 2021-22.

       
      Kotak Mahindra Health Insurance Plans in Detail:
      Kotak Health Premier Plan

      The Kotak Health Premier plan provides comprehensive coverage to the insured against high-rising medical expenses. It comes with a sum insured ranging from Rs 25 lakh to Rs 2 crore.

      Features & 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
      Read more
      Kotak Health Care Plan

      The Kotak Health Care plan allows the insured to customize the coverage of the policy as per their health needs and budget. The plan is available for a sum insured of Rs 2 lakh to Rs 25 lakh and comes in two types – Excel and Premium.

       Features & 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
      Read more
      Kotak Health Super Top-Up Plan

      The Kotak Health Super Top-up plan covers the medical expenses of the insured when the sum insured limit of the base policy gets exhausted. The plan comes with an in-built deductible ranging from Rs 2 lakh to Rs 10 lakh with a sum insured amount ranging from Rs 3 lakh to Rs 40 lakh.

      Features & 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
      Read more
      Kotak Secure Shield Plan

      The Kotak Secure Shield is a critical illness insurance designed to cover the insured against 18 critical illnesses and procedures. The plan is available for a sum insured of Rs 5 lakh and Rs 10 lakh.

      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
      Read more
      Kotak Accident Care Plan

      Kotak Accident Care is a personal accident insurance plan that provides financial support in case the insured meets with an accident.

      Features & 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
      Read more
      Kotak COVID-19 Secure Plan

      The Kotak COVID-19 Secure plan is a customized plan designed to cover the treatment cost of the COVID-19 disease.

      Features & 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
      Read more
      View more plans

      Why Should You Buy Kotak Mahindra Health Insurance Plans?

      Take a look at the benefits of buying a Kotak Mahindra health insurance plan:

      • Annual Health Check-up – Policyholders can also avail free health check-up facilities every year under some plans, such as Kotak Health Premier and Kotak Health Care.
      • 24x7 Customer Assistance – The Kotak Mahindra General Insurance Company is equipped with an efficient customer care team, which is available round the clock to assist all the customers.
      • Fast & Hassle-free Claim Process – The insurance company comes with a super-fast claim process, which provides a hassle-free experience to the customers
      • Tax Benefits – The Kotak Mahindra health insurance premium can be claimed for tax deductions under section 80D of the Income Tax Act.

      How to File a Claim with a Kotak Mahindra Health Insurance Plan?

      Here is a step-by-step procedure to file a Kotak Mahindra health insurance claim:

      1

      Go to the Cashless Helpdesk

      Visit the cashless helpdesk of your network hospital at least 48 hours in advance of your planned hospitalization. In case of an emergency, notify the helpdesk within 24 hours of getting hospitalized.

      2

      Fill up and Submit the Pre-Authorization Form

      Fill up the pre-authorization form available at the helpdesk and submit it along with a valid photo id proof and medical documents.

      3

      Application Review

      Kotak Mahindra General Insurance Company will review your cashless treatment application and will approve it as per your policy terms & conditions

      4

      Payment of Claim

      Once your treatment is complete, the insurer will pay the entire bill to the network hospital directly.

      For reimbursement claims, intimate the insurance company about your hospitalization and pay the full hospital bill at the time of getting discharged. Submit all the required documents to the insurance company within 30 days of being discharged from the hospital. The insurer will verify the documents and will pay you the claim amount within 15 days.

      Documents Required for Kotak Mahindra Health Insurance Claim

      Check out the list of documents required to raise a cashless claim with Kotak Mahindra health insurance:

      • Duly filled Kotak Mahindra health insurance claim form
      • Treatment papers, specifying the first symptoms and date of disease occurrence
      • Hospital discharge card
      • Original bill for medical investigations supported by prescriptions
      • Original medical investigation reports
      • Original hospital bills and payment receipts
      • Original medicine bills supported by prescriptions
      • Cancelled cheque of the policyholder
      • Photo id of the policyholder for KYC

      Kotak Mahindra Health Insurance Network Hospitals

      Kotak Mahindra General Insurance Company provides cashless treatment facilities to all its customers at several network hospitals spread across India. Take a look at the list of Kotak Mahindra health insurance network hospitals in different cities:

      How to Buy Kotak Mahindra Health Insurance Plans?

      Here is the procedure for buying a Kotak Mahindra health insurance plan online:

      Step 1: Go to the website of Policybazaar Insurance Brokers Private Limited and click on the ‘Health Insurance’ icon

      Step 2: Select the people to be insured and fill in the age

      Step 3: Enter the additional details required, such as the name, gender, city, phone number, etc.

      Step 4: Choose if you have any existing medical history

      Step 5: Pick the preferred Kotak health insurance plan and pay its premium online

      Step 6: The insurance company will issue your policy document after receiving the payment.

      How to Renew Kotak Mahindra Health Insurance Plans?

      Given below are the steps to renew a Kotak Mahindra health insurance plan online: 

      Step 1: Log in to Policybazaar.com and select ‘Health Renewal’ from the ‘Renew Your Policy’ dropdown menu

      Step 2: Fill in your mobile number and the OTP received

      Step 3: If you are a first-time Policybazaar user, you can select the ‘Health Insurance’ icon on the homepage

      Step 4: Provide the requested details and choose the Kotak Mahindra health insurance plan for renewal

      Step 5: Pay the renewal premium amount online

      Step 6: Kotak Mahindra General Insurance Company will renew your policy.

      How to Calculate Kotak Mahindra Health Insurance Premium?

      The best way to calculate the premium of a Kotak health insurance policy is by using a health insurance premium calculator that requires details like the city, sum insured, etc. Use the Kotak Mahindra health insurance premium calculator online to estimate the premium of a health insurance plan.

      Contact Details of Kotak Mahindra Health Insurance

      Check out the contact details of Kotak Mahindra General Insurance Company:

      Categories Contact Details
      Toll-free No 1800-266-4545
      Phone No for Overseas Customers 022 6124 9600
      Email Id care@kotak.com

      Kotak Mahindra Health Insurance FAQs

      View more FAQ’s
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
      Kotak Mahindra Health Insurance Plans
      Kotak Mahindra Group Health Insurance
      Health Care

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      Kotak Mahindra Health Insurance Reviews & Ratings

      4.5 / 5 (Based on 11 Reviews)
      (Showing Newest 10 reviews)
      Sonu
      Agra, August 24, 2021
      Easy to compare
      I never thought about buying policy but considering the covid situation, i decided to take health insurance for me as well as my family. after comparing many plan on the website of policy bazaar i chose kotak mahindra health insurance plan.
      Hritik
      N.paravur, March 09, 2021
      Satisfying cover
      The coverage offered in Kotak Health care for family provides satisfying cover according to my family. This plan was suggested by policybazaar.com. Thanks, team.
      Hansaraj
      G.mahisani, March 04, 2021
      A simple plan with required coverage
      Kotak Secure Shield is one of the simplest health insurance plans that I found over the internet. Kotak customer support executive suggested me this policy so thanks to him. Keep up the good work.
      Aadesh
      K.c. Pur, March 04, 2021
      Reliable Source
      I bought health insurance cover from Kotak despite having health cover from the office. I want to say thanks to the policybazaar team as it suggested the best plan as per my requirements.
      Harsh
      Udagamandalam, March 01, 2021
      Average Customer Support
      The user interface of policybazaar.com is average as the guy whom I was talking to purchase a Kotak Health plan was unable to answer some of my queries. So average rating.
      Girish
      Fakirpur, February 26, 2021
      Good Experience of Policy purchase
      The policy buying process through policybazaar.com is a good experience and I liked the simple policy purchase steps. Thanks to the team of policybazaar for developing a good interface.
      Jatin
      Ichoda, February 26, 2021
      A wide range of network hospitals
      Apart from good coverage and inclusions, the thing that made me purchase Kotak Secure Shield policy is its network hospitals. The company more than 4000 network hospitals which is a huge number.
      Amir
      Dabhoi, February 25, 2021
      New but good experience
      I am not tech-savvy but thought to renew my Kotak Secure Shield plan online. I renewed it from policybazaar.com. The process was new for me but it was good.
      Hirendra
      Udagamandalam, February 25, 2021
      Thanks, Team Policybazaar
      It was the time of lockdown when I have to renew my health insurance policy. I was very scared to go to the office of Kotak Mahindra due to COVID, but suddenly I thought to buy it online via policybazaar.com. The process is very easy and the customer support executive is available to guide at any point.
      Madhukar
      K.c. Pur, February 22, 2021
      Less Premium Policy
      The policy that I bought through policybazaar.com as health insurance from Kotak is Health Premier. The premium that I have to pay for this policy is very affordable as per the inclusions of this plan.

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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