Kotak Mahindra Health Insurance for Senior Citizens

Kotak Mahindra Health Insurance for senior citizens is a health insurance policy that covers medical expenses of people above the age of 60 years. The Health Care plan by Kotak Mahindra General Insurance Company Limited offers comprehensive coverage to senior citizens so that they can fully focus on their recovery.

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Kotak Mahindra Health Insurance for Senior Citizens

*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 Senior Citizens

    Given below are the key benefits of buying a Kotak Mahindra Health Insurance plan for senior citizens:

    • Several sum insured options starting from Rs 2 lakh to Rs 25 lakh
    • Both individual and floater covers available
    • Cashless hospitalization services at over 5000 network hospitals
    • Free annual health check-up facility at network providers
    • 10% cumulative bonus up to 50% for every claim-free year
    • 5% and 10% discount on opting for 2 years and 3 years policy tenure respectively
    • Tax benefits under Sec 80D of Income Tax Act, 1961 available

    Kotak Mahindra Health Insurance Plans for Senior Citizens

    The table below represents the various Kotak Mahindra plans for senior citizens available in the market:

    Plan Name

    Sum Insured (Rs)


    Kotak Mahindra Health Care Excel Plan

    2 lakh to 4 lakh


    View Plan

    Kotak Mahindra Health Care Premium Plan

    5 lakh to 25 lakh


    View Plan

    Eligibility Criteria for Kotak Mahindra Health Insurance for Senior Citizens

    Elderly parents need to fulfil the following eligibility criteria to buy a Kotak Mahindra Health Insurance plan for senior citizens:


    Eligibility Criteria

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Family Members Covered

    Self, spouse



    Inclusions of Kotak Mahindra Health Insurance for Senior Citizens

    Kotak Mahindra Health Insurance plans for senior citizens offer the following coverage:

    • In-patient Hospitalization
    • Day Care Treatments
    • Pre-hospitalization Medical Expenses
    • Post-hospitalization Medical Expenses
    • Ambulance Cover

    Optional Covers:

    • Hospital Daily Cash
    • Convalescence Benefit
    • Donor Expenses
    • Critical Illness Cover
    • Double Sum Insured for Hospitalization due to Accident
    • Cap on Room Rent

    Exclusions of Kotak Mahindra Health Insurance for Senior Citizens

    Following are the exclusions of Kotak Mahindra Health Insurance plans for senior citizens:

    • Dental treatments
    • Treatment for drug abuse or alcohol addiction
    • Plastic or cosmetic surgery
    • Obesity or weight control treatments
    • Non-allopathic treatments
    • Domiciliary hospitalization
    • Treatment taken outside India


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