Zurich Kotak (formerly known as Kotak Mahindra) Health Insurance Top Up Plan

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      Zurich Kotak (formerly known as Kotak Mahindra) Health Insurance Top Up Plan

      Zurich Kotak (formerly known as 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 Zurich Kotak Super top-up policy covers the amount over and above the deductibles.

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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.

      Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

      Zurich Kotak Health Super top-up policy offers higher sum insured options up to Rs 40 lakh. For instance, if you buy a Zurich Kotak 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:

      Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Eligibility Criteria

      Eligibility Criteria Specifications
      Minimum Entry Age 18-years
      Maximum Entry Age 80-years
      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 Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

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

      • The Zurich Kotak Health Super top-up policy has a wide range of Sum insured options from Rs 3 lakh to Rs 40 lakh
      • The Zurich Kotak 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 Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

      Zurich Kotak 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 Zurich Kotak Health Top-up health plan brochure for details.

      Exclusions of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

      Zurich Kotak 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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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
      Zurich Kotak Health Insurance Plans
      Zurich Kotak Group Health Insurance
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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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.

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