Kotak Health Care

A comprehensive financial safety net to help avail the best possible healthcare is what Kotak Health Care is all about. With the all-round protection of the Kotak Health Care Policy in hand, the Insured need not be financially restrained from seeking quality healthcare for a speedy recovery. The insured has access to a host of benefits offered by the insurer in the form of generous Sum Insured based on multiple plan options under this plan to ensure the family remains well protected.

Kotak Health Care: Key Highlights

Policy Tenure

1,2, 3 years



Sum Insured

Up to 1 cr

New Born Cover

As an Add-on

Coverage Offered

This Kotak Health Care Health Insurance plan is available in 3 variants-Excel, Premium, and Prime, with different Sum Insured options:

  • Excel Option: Rs 2 Lakh to Rs 4 Lakh
  • Premium: Rs 5 Lakh to Rs 25 Lakh
  • Prime: Rs 10 Lakh to Rs 100 Lakh

The plan offers a wide range of covers endowing the Insured with advantages in total healthcare.

  • In-patient Hospitalization: Treatment expenses for ailments needing overnight stay in the hospital are indemnified both in the Cashless and Reimbursement claim formats.
  • Pre and Post Hospitalization Cover: The Insurer indemnifies medical expenses related to hospitalization for 30 days before admission and 60 days after discharge.
  • Day Care Expenses: Procedures and treatment that do not require 24 hours or more in a hospital is also covered
  • Ambulance Cover: The charges to evacuate the Insured to a hospital in an emergency are reimbursed subject to limits defined in the policy document for a maximum of Rs 1,500.

Kotak Health Insurance: Inclusions

Overall knowledge of the inclusions is essential to buy Kotak Health Care so that the Insured is confident about the service rendered under the policy. Some of the indicative inclusions in the policy are:

  • Hospitalization Cover: The cover is comprehensive, which includes In-patient treatment, Pre and Post Hospitalization expenses, Day Care Treatment for 150 listed procedures.
  • Optional Cover: The Insured can enhance the Sum Insured by opting for the necessary add-on on offer against an additional premium.
  • Free Health Check-up: Each insured person is entitled to a health check-up with the network provider every policy year, regardless of the submitted claims.
  • Cumulative Bonus: The reward for the Insured for a claim-free year is a Cumulative Bonus of 10% added to the Based Sum Insured on renewal subject to a maximum accumulation of 50%.

Exclusions of the Policy

A general idea about exclusions tells what is not covered in the policy. It influences the decision to buy Kotak GI Health Insurance in the first place. Secondly, it helps the Insured to raise flawless claims for a successful settlement. Some of the indicative exclusions in the plan are:

Those with Waiting Periods

  • The initial waiting period for raising a claim is 30 days from the policy inception date, except in case of accidents
  • As listed in the policy document, some specified diseases have to wait for 24 months for cover
  • The waiting period for the pre-existing disease is a uniform 48 months for all age groups

Permanent Exclusions

Some ailments and conditions like dental treatment, cosmetic and plastic surgery, treatment of alcoholism, drug, substance abuse, etc., are not covered by the policy permanently.

Kotak Health Insurance: Features & Benefits

In many ways, the deciding factor in purchasing the Kotak Health Insurance is its features and benefits. Interested individuals can purchase online Kotak Health Care Policy after going through these features.

  • The policy covers both the individual and the family on a floater basis.
  • The insured a choice for Multi plan variants based on the Sum Insured.
  • Cashless treatment facility is available in 4000+ Network Hospitals across the country.
  • The insured gets tax exemption for the premium under Sec 80D of the Income Tax Act, 1961.

Eligibility Criteria

The minimum eligibility criteria to buy this policy are:


Individual and Family Floater

Minimum Entry Age

For Floater plan: 91 days

Individual Plan: 5 years

Maximum Entry Age

Child: 25 years (for dependent children)

Adult: 65 years


Lifelong renewal

Number of people covered

Self, spouse, dependent parents, dependent children, Seniors up to 65 years

Residential Status

Must be an Indian resident, which may be citizens  or Permanent Resident

Information on Cancellation of the Policy

The insured gets a Free Look period of 15 days to review the policy and is entitled to cancel it, serving a written notice within the period. Likewise, the insurer can also cancel the policy on the grounds of fraud, misrepresentation, and moral hazard after serving a 15-days written notice.


Written By: PolicyBazaar - Updated: 07 January 2021

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