Kotak Health Insurance Top Up Plan

(11 Reviews)
Insurer Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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

      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 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.

      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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
      Kotak Mahindra Health Insurance Plans
      Kotak Mahindra Group Health Insurance
      Health Care

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by Magma HDI Health Insurance Plans

      18 Apr 2024

      Magma HDI General Insurance Company offers a spectrum of
      Read more
      Surgeries Covered by Raheja QBE Health Insurance Plans

      17 Apr 2024

      Raheja QBE General Insurance Company offers a diverse range of
      Read more
      Surgeries Covered by Aditya Birla Health Insurance Plans

      16 Apr 2024

      Aditya Birla Health Insurance Company offers a range of
      Read more
      Surgeries Covered by Cholamandalam Health Insurance Plans

      16 Apr 2024

      Cholamandalam MS General Insurance Company offers a range of
      Read more
      Surgeries Covered by Future Generali Health Insurance Plans

      16 Apr 2024

      Future Generali India Insurance Company offers comprehensive
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL