*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
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.
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.
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.
Kotak Accident Care is a personal accident insurance plan that provides financial support in case the insured meets with an accident.
The Kotak COVID-19 Secure plan is a customized plan designed to cover the treatment cost of the COVID-19 disease.
Take a look at the benefits of buying 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.
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.
Check out the list of documents required to raise a cashless claim with Kotak Mahindra health insurance:
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:
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.
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.
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.
Check out the contact details of Kotak Mahindra General Insurance Company:
|Phone No for Overseas Customers||022 6124 9600|
Ans: Kotak Mahindra health insurance enjoys a claim settlement ratio of 97%.
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.
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.
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.
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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