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.

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Kotak Mahindra Health Insurance for Family

*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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    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
    Premium – 5 lakh to 25 lakh

    4 years

    View Plan

    Kotak Health Premier Plan

    Advantage – 3 lakh to 10 lakh
    Edge – 5 lakh to 20 lakh
    Elite – 10 lakh to 25 lakh
    Absolute – 25 lakh to 2 crore
    360 – 3 lakh to 2 crore
    Total – 3 lakh to 2 crore

    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:


    Eligibility Criteria



    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



    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.


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