Kotak Mahindra Health Insurance for Senior Citizens
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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.
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) |
Co-Payment |
|
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Kotak Mahindra Health Care Excel Plan |
2 lakh to 4 lakh |
NA |
View Plan |
|
Kotak Mahindra Health Care Premium Plan |
5 lakh to 25 lakh |
NA |
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:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
18 years |
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Maximum Entry Age |
65 years |
|
Family Members Covered |
Self, spouse |
|
Renewability |
Lifetime |
Choose Health Insurance Company for Senior Citizens
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
FAQs
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Q1. Where can I find the premium chart of Kotak Mahindra Health Insurance plans for senior citizens?
Ans: You can check the premium chart for the Kotak Mahindra Health Care plan on the insurance company’s website. You can also calculate the premium on Policybazaar.com with the help of a health insurance premium calculator.
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Q2. What are the waiting periods under Kotak Mahindra Health Insurance for senior citizens?
Ans: The following are the waiting period applicable to the Kotak Mahindra Health Care plan for senior citizens:
- Pre-existing Diseases Waiting Period – 4 years
- Initial Waiting Period – 30 days
- Specific Diseases Waiting Period – 2 years
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Q3. What is the minimum sum insured for floater cover under Kotak Mahindra Health Insurance for senior citizens?
Ans: Elderly people can opt for a minimum sum insured of Rs 3 lakh to buy a floater cover under the Kotak Mahindra Health Care plan.
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