Kotak Critical Illness Policy

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      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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      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

      Highlights

      Network Hospitals

      4000+

      Incurred Claim Ratio

      48.21

      Renewability

      Lifelong

      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

      Life-long

      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

      FAQs

      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: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
      Zurich Kotak Health Insurance Plans
      Zurich Kotak Group Health Insurance
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      *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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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| 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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