Kotak Mahindra Health Insurance
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
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
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
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
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
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
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
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:
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.
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.
Application Review
Kotak Mahindra General Insurance Company will review your cashless treatment application and will approve it as per your policy terms & conditions
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
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Q1: What is the claim settlement ratio of Kotak Mahindra health insurance?
Ans: Kotak Mahindra health insurance enjoys a claim settlement ratio of 97%.
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Q2. How can I check the premium of a Kotak Mahindra health insurance plan?
Ans: You can take a look at the Kotak health insurance premium chart to know the premium of a health plan. Alternatively, you can also use a Kotak Mahindra 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 Kotak Mahindra health insurance hospital list?
Ans: You can get the Kotak Mahindra 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 Kotak Mahindra General Insurance Company at Policybazaar.com.
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Q4. How can I know my Kotak Mahindra health insurance policy status?
Ans: You can get in touch with the Kotak Mahindra health insurance customer care team to know the status of your policy. In case you have purchased the health plan from Policybazaar.com, you can contact them to know the current status of your policy.
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Q5. What is the process for Kotak Mahindra health insurance policy download?
Ans: You can download your Kotak Mahindra health insurance policy by logging in to the website of your insurance company. You can also download it by logging into Policybazaar.com if you bought your policy from them.
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