Kotak Health Insurance Top Up Plan

Kotak Mahindra Health Insurance Super Top-up policy offers additional health insurance cover over and above the basic health insurance plan. It works alongside your existing health plan and covers the expenses that go beyond your existing sum insured. Once the policy deductible amount is paid, the Kotak health Super top-up policy covers the amount over and above the deductibles.

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Kotak Health Insurance Top Up Plan

*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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    Moreover, the policy helps to enhance the base sum insured to be able to meet huge hospitalization expenses exceeding your current coverage amount. It might be a good option for people who want to save money and do not want to dip into their savings to protect their health.

    Kotak Mahindra Health Super Top-up Policy

    Kotak Mahindra Health Super top-up policy offers higher sum insured options up to Rs 40 lakh. For instance, if you buy a Kotak Mahindra Super Top-up plan of Rs 10 lakh and the deductible is Rs 3 lakh, and the hospital bill comes out to be Rs 10 lakh then the insurance company will pay off the amount over and above Rs 3 lakh i.e. Rs 7 lakh. The policy details features, benefits, inclusions and exclusions are given in detail below:

    Kotak Mahindra Health Super Top-up Eligibility Criteria

    Eligibility Criteria


    Minimum Entry Age


    Maximum Entry Age


    Sum Insured

    Rs 3 lakh to Rs 40 lakh

    Aggregate Deductible  

    up to Rs 10 lakh

    Waiting Period for Pre-existing Diseases

    2 years

    Key Features of Kotak Mahindra Health Super Top-up Policy

    The features and benefits under the Kotak Mahindra Super Top-up Health Insurance plan are given below:

    • The Kotak Mahindra Health Super top-up policy has a wide range of Sum insured options from Rs 3 lakh to Rs 40 lakh
    • The Kotak Mahindra Health top-up policy has a wide range of deductible options up to Rs 10 lakh
    • In-patient care treatment charges are covered as well  pre-hospitalization covered up to 30 days
    • Post-hospitalization expenses are covered up to 60 days
    • 405 Daycare procedures are covered as well
    • The policy duration cover is 2 to 3 years
    • Restoration of the sum insured is provided during the policy term
    • The sum insured is doubled in case of accidental hospitalization
    • All types of room categories are covered in this policy

    Inclusions of Kotak Mahindra Health Super Top-up Policy

    Kotak Mahindra Health Super Top-up Health Insurance plan covers the following expenses:

    • Ambulance cover of up to Rs 2000 per hospitalization
    • Organ donor cover expenses are covered
    • Alternative treatment cover up to Rs 50,000
    • Alternative treatment cover is provided
    • Organ donor expenses are covered
    • Restoration of the sum insured is provided during the policy term
    • In-patient treatment expenses are covered as well
    • Daycare treatment expenses are covered
    • Ayush treatment expenses are covered in a hospital with a minimum of 5-beds
    • Pre-hospitalization medical expenses and Post-hospitalization medical expenses are covered
    • Double Sum Insured because of hospitalization in case of an Accident
    • A Cumulative Bonus of 5% to 50% is also provided

    To know more about the policy details and premium chart you can also refer to the Kotak Mahindra Health Top-up health plan brochure for details.

    Exclusions of Kotak Mahindra Health Super Top-up Policy

    Kotak Mahindra Health Super Top-up Health Insurance plan does not cover the following expenses:

    • Pre-existing diseases are not covered
    • HIV/AIDS treatment is not covered
    • Procedures and treatments such as routine health check-ups are not covered
    • Plastic, cosmetic or any other aesthetic surgery is not covered
    • Injury, illness or disease arising out of substance, drug or alcohol abuse
    • Any psychological illness or mental illness expenses
    • Congenital anomalies or diseases
    • Change of gender treatment expenses is not covered
    • Intentional self-injury, affliction, or suicidal attempts

    *For a detailed list of exclusions, please refer to the policy document or the product brochure.


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