Kotak Critical Illness Policy

Kotak Secure Shield – Critical Illness Insurance by Kotak General Insurance Company is a blessing. Critical illness insurance provides coverage benefits for medical emergencies such as stroke, heart attack, or cancer. The treatment can cost easily in lakhs and therefore a critical illness policy offering adequate coverage is imperative in today’s time.

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Kotak Critical Illness Policy

*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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    With this Kotak critical illness plan, you can protect your loved ones irrespective of the expensive treatment cost of life-threatening diseases like cancer, cardiovascular illnesses, kidney failure, etc. without compromising on the need for quality healthcare services.

    If you are looking for a critical illness health insurance plan with loss of job benefit, child education benefit, then this Kotak health insurance plan is for you. You can easily buy Kotak critical illness insurance online from Policybazaar and avail a plethora of insurance benefits.

    Kotak Mahindra Health Insurance at a Glance:

    Key Features


    Network Hospitals


    Incurred Claim Ratio




    Waiting Period

    4 years

    Eligibility Criteria to buy Kotak Critical Illness Secure Shield Policy

    You can refer to the below table to know your eligibility criteria for Kotak Secure Shield Critical Illness Policy:

    Entry Age

    Mini 18 years
    Max: 65 years

    Renewal Age


    Policy Term

    1/2/3 years

    Sum Insured

    Rs 5 lakh & Rs 10 lakh

    Children’s Education Bonus

    Rs 50,000 & Rs 1 lakh ( as per the sum insured)

    Key Features of Kotak Critical Illness Policy

    • Following are four major benefits of the Kotak Secure Shield plan.
    • Critical Illness benefit: Once a listed critical illness is diagnosed for the first time or you are undergoing any listed surgical procedures, then the insurer will provide you a lump sum coverage amount for the treatment. You can also use the critical illness sum insured for other financial obligations, debts, and other emergency expenses.
    • Child education benefit: In case of permanent total disabilities or demise, critical illness cover ensures that your child continues to receive an uninterrupted education.
    • Loss of job cover in case of an illness/ accident: Kotak’s critical illness plan provides financial support in case of loss of job due to an illness or an accident to meet financial liabilities like a loan. The policy covers up to a maximum of 3 EMIs due against the loan. Non-loan-linked policies cannot opt for loss of job benefit is not available for non-loan-linked policies.
    • Personal accident benefit: Kotak’s health insurance policy also covers total disabilities and death due to an accident and ensures financial stability to your family members.

    Kotak Critical Illness Benefit

    Critical illness list for diseases and surgeries included in this policy are as listed below:

    First diagnosis of these critical illnesses is claimable:

    • Multiple Sclerosis permanent symptoms
    • Cancer
    • Kidney failure with dialysis
    • Benign Brain Tumor
    • Motor Neurone Disease Permanent Symptoms
    • End Stage Liver Failure
    • Primary (Idiopathic) Pulmonary Hypertension

    Undergoing surgical procedures for the first time:

    • Major Bone Marrow/ Organ Transplant
    • Open chest CABG
    • Open heart replacement or repair of heart valves
    • Aorta Graft Surgery

    Occurrence for the first time of the following medical events:

    • Coma of Specified Severity
    • Loss of Speech
    • Permanent Limbs Paralysis
    • Third Degree Burns
    • Stroke with permanent symptoms
    • Myocardial Infarction (First Heart Attack)
    • Deafness


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