Kotak Mahindra Health Insurance for Family
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Kotak Mahindra Health Insurance for Family
Kotak Mahindra Health Insurance for family is a comprehensive health plan designed to cover the medical expenses of a family. It is a family health insurance plan offered by Kotak Mahindra General Insurance Company Limited that offers medical coverage to all the insured members of a family on a floater sum insured basis.
Key Benefits of Kotak Mahindra Health Insurance for Family
Take a look at the key benefits of buying Kotak Mahindra Health Insurance for family:
- Wide range of sum insured starting from Rs 3 lakh to Rs 2 crore
- Free health check-up facilities available every year
- 10% cumulative bonus up to 50% for each claim-free year
- Value-added benefits are also available
- Up to 10% discount on opting for a 2-year or 3-year policy term
- Tax benefits available under Section 80D, Income Tax Act
- Restoration of the sum insured up to 100% if insufficient after a claim
- 10% cross sell discount in case of an active policy
Kotak Mahindra Health Insurance Plans for Family
The following table represents the various Kotak Mahindra Health Insurance plans for families available in India:
|
Plan Name |
Sum Insured (Rs) |
Pre-existing Diseases Waiting Period |
|
|
Kotak Health Care Plan |
Excel – 3 lakh, 4 lakh |
4 years |
View Plan |
|
Kotak Health Premier Plan |
Advantage – 3 lakh to 10 lakh |
3 years/ 4 years |
View Plan |
Eligibility Criteria for Kotak Mahindra Health Insurance for Family
The following eligibility criteria need to be fulfilled to buy a Kotak Mahindra Health Insurance plan for a family:
|
Categories |
Eligibility Criteria |
|
|
Adult |
Child |
|
|
Minimum Entry Age |
18 years |
91 days |
|
Maximum Entry Age |
65 years |
25 years |
|
No of Family Members Covered |
Self, spouse, dependent children and dependent parents |
|
|
Renewability |
Lifetime |
|
Choose Health Insurance Company for Family
Inclusions of Kotak Mahindra Health Insurance for Family
The following coverage is available under Kotak Mahindra Health Insurance for family:
- In-patient Treatment
- Pre-hospitalization Medical Expenses
- Post-hospitalization Medical Expenses
- Day Care Treatments
- Ambulance Cover
- Second E-opinion (under Health Premier plan)
- Organ Donor Cover (under Health Premier plan)
- Alternative Treatment (under Health Premier plan)
- Domiciliary Hospitalization (under Health Premier plan)
Optional Covers:
- Hospital Daily Cash
- Convalescence Benefit
- Critical Illness Cover
- Cap on Room Rent
- Donor Expenses (under Health Care plan)
- Double Sum Insured for Accidental Hospitalization (under Health Care plan)
- Maternity Benefit (under Health Premier plan)
- New Born Baby Cover (under Health Premier plan)
- Personal Accident Cover (under Health Premier plan)
The coverage and optional covers may vary from one Kotak Mahindra Health Insurance plan for a family to another.
Exclusions of Kotak Mahindra Health Insurance for Family
Kotak Mahindra Health Insurance for family does not provide coverage for the following:
- Treatment of alcoholism, drug or substance abuse
- Dental treatments
- Plastic surgery or cosmetic surgery
- Intentional self-injury
- Unproven treatment
- Treatment for sterility or infertility
Check the complete list of exclusions by referring to the Kotak Mahindra Health Insurance for family.
FAQs
-
Q1. Is there any waiting period under Kotak Mahindra Health Insurance for family?
Ans: Yes. Kotak Mahindra Health Insurance plans for families come with the following waiting periods:
- Pre-existing Diseases Waiting Period – 3/4 years
- Initial Waiting Period – 30 days
- Specified Diseases/Procedures Waiting Period – 2 years
- Maternity Benefit Waiting Period – 3 years
-
Q2. Is co-payment applicable to Kotak Mahindra Health Insurance for family?
Ans: Yes, a co-payment of up to 20% applies to the Kotak Mahindra Health Premier plan.
-
Q3. Can I only opt for maternity benefit without vaccination expenses under Kotak Mahindra Health Insurance for family?
Ans: No. You need to opt for maternity benefit, newborn baby cover and vaccination expenses together under the Kotak Mahindra Health Premier plan. You cannot opt for either of these covers separately.
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