Kotak Arogya Sanjeevani Policy Coverage

(11 Reviews)
Insurer Highlights

*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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Kotak Arogya Sanjeevani Policy Coverage

      Kotak Mahindra General Insurance Co. Ltd. provides Arogya Sanjeevani health insurance policy with comprehensive coverage benefits. From daycare treatments to modern procedures like oral chemotherapy are covered. The policy criteria, features, and coverage details are given below:

      Read More

      The policy offers health insurance coverage for pre and post-hospitalization expenses, in-patient hospitalization charges like room rent and ICU/ICCU, AYUSH treatments, daycare treatments, and ambulance charges. Moreover, the policy offers a cumulative bonus of 5% to 50%, a free look period of 15 days, and portability benefits.

      Eligibility Criteria



      Sum Insured

      Rs 1 lakh to Rs 5  lakh

      Entry Age Criteria

      18-65 years

      Dependent Children

      3 months-25 years



      ICU/ICCU Charges


      Cataract Surgery


      Pre-existing diseases

      48 months/4-years

      Key Features of Kotak Arogya Sanjeevani Policy

      Kotak Arogya Sanjeevani policy offers the following features and benefits to the insured:

      • The coverage is provided on both individual and family floater basis
      • Modern treatments and daycare procedures are claimable under this standard health insurance scheme
      • The policy coverage is extendible to spouse, children, and parents
      • Cumulative bonus for claim-free years range from 5% to 50%
      • Policy cancellation is possible by giving 15-days’ notice to the insurer
      • Tax benefits on the premium paid as per the Section 80D of the Income Tax Act

      Inclusions of Kotak Arogya Sanjeevani Policy

      Kotak Arogya Sanjeevani policy offers the following features and benefits to the insured:

      • Ayush Hospitalization coverage limit is up to the sum insured with no sub-limits
      • Modern/technologically advanced treatments are covered up to 50% of the sum insured
      • In-patient Ayush hospitalization cover for Ayurveda, Unani, Yoga, Naturopathy, Siddha and Homeopathy systems
      • The policyholder can file a claim for any daycare procedure where 24-hours hospitalization is not required
      • Pre and post hospitalization treatment charges are reimbursed for 30 days and 60 days respectively
      • Ambulance charges up to Rs 2000 for every hospitalization
      • The policy coverage also includes cataract surgery for Rs 40,000 or 25% of the sum insured. It is applicable on one eye during a policy term

      Exclusions of Kotak Arogya Sanjeevani Policy

      The list of exclusions under the Kotak Arogya Sanjeevani policy is given below:

      • Claim for pre-existing diseases cannot be filed until 4-years of the continuous policy term
      • However, some specific illnesses can be claimed once  24 months of the waiting period is over
      • Unproven treatments cannot be claimed
      • Any treatment outside India is not permissible  for claims
      • War-related medical emergencies remain excluded
      • The policy does not cover claims for OPD charges and home treatment expenses
      • Some other limitations are fertility and obesity treatments
      • Adventure sports-related injuries also cannot be claimed

      Claim Process

      The process to file Kotak Arogya Sanjeevani health claims for both cashless and reimbursement processes is given below:

      Claim Reimbursement

      • Inform within 30-days of hospital discharge for pre-hospitalization, daycare medical procedures, and  hospitalization expenses
      • Inform within 15-days of hospital discharge for post-hospitalization expenses

      Cashless Claim Procedure

      You can file a cashless claim for treatments taken in a network hospital. All the medical insurance claims are subjected to TPA or the Insurer’s authorization approval:

      • To get authorization the policyholder needs to take the claim form from the TPA and send it to the Insurer/ TPA
      • When you send this form, the TPA/Company issues a pre-authorization letter to the hospital once the verification is completed
      • As a part of the discharge procedure, you also need to sign and verify the hospital discharge papers  and pay off any extra medical expenses charged by the hospital
      • Once the documentation is completed and the authorization is provided you can avail cashless hospitalization services, else you can avail of the treatment and get claim reimbursement for expenses later on
      • If all the documents and details provided as per the process your cashless claim will be processed else you can also file  for reimbursement

      Documents Required for Claims

      The insurer may ask for the following documents at the time of claim settlement:

      • Signed and filled claim form
      • ID proof of the insured patient/medical bills in original/ medical practitioner’s prescription advising hospitalization
      • Operation theatre notes/discharge summary/Invoice of the implants
      • Payment receipts and all the diagnostic reports
      • Medico-legal report ( if asked by the insurer)
      • Bank NEFT Details for money transfer
      • KYC details of the customer
      • More documents as per the case, if need be

      For any queries and further claim assistance, you can email us at care@policybazaar.com or call us at 1800-708-8787.


      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*
      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

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by Manipal Cigna Health Insurance Plans

      01 Mar 2024

      Amidst the ongoing surge in healthcare expenses, securing
      Read more
      Star Preventive Health Check-ups: All You Need to Know

      29 Feb 2024

      Preventive health check-ups are essential to monitor critical
      Read more
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.