Kotak Health Care

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      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.

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      Kotak Health Care: Key Highlights

      Policy Tenure

      1,2, 3 years

      Renewability

      Lifetime

      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:

      Type

      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.

      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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      *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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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 (Life & General)| 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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