Kotak General Insurance

Kotak General Insurance is the solution to all your financial worries. You can buy Kotak Health Insurance to get financial protection for you and your family against health risks or you can buy Kotak Car or Two-Wheeler Insurance to get financial security for your car or bike. You can choose from a wide range of insurance products at Kotak General Insurance according to your needs. Read this page below and know more about the Kotak General Insurance products in detail.

Kotak Health Insurance Products

At Kotak General Insurance, you will get a list of comprehensive health insurance plans that will take care of you when you need financial support.

Kotak Secure Shield

It is critical illness insurance that provides the following benefits:

1. Covers diagnosis/occurrence of any of the listed Critical Illnesses or surgical procedures.
2. Coverage to your family in case of your death or permanent total disability due to an accident.
3. Cover for your child education that is active in the event of your demise or permanent total disability. And the critical illness cover will ensure that your child will continue to receive uninterrupted education.
4. Coverage for your financial liability in case you lose your job due to illness or accident.

Kotak Health Care

This health insurance takes care of the following expenses such as:

1. Coverage against medical bills, in-patient treatment, daycare treatment, pre-hospitalization medical expenses and ambulance expenses.
2. Health check-up expenses that include CBC, MER, Serum, Cholesterol, Serum Creatinine, SGPT /SGOT, ECG, Random Blood Sugar.
3. You have the option to avail comprehensive insurance coverage, you can choose the add-ons that are available at an additional premium.

Kotak Accident Care

This policy will cover you and your family against accidents by paying you a lump sum amount in case of the following:

1. Death
2. Permanent Total Disablement
3. Permanent Partial Disablement
4. Temporary Total Disablement (Payable Weekly)

And in addition to the above benefits, you can cover other contingencies of an accident such as:

1. A fixed sum on a daily basis for the duration of hospitalization.
2. Medical expenses claim for the incurred hospitalization.
3. A fixed sum of INR 10,000 if the hospitalization period is of 10 consecutive days

Kotak Health Super Top Up

Get the following benefits from this Kotak Health Insurance Plan–

1. In-patient Treatment
2. Daycare Treatment
3. Pre- & Post- Hospitalization Medical Expenses
4. Ambulance Cover
5. Organ Donor Cover
6. Alternative Treatment
7. Restoration of Sum Insured
8. Hospitalization due to Accident
9. Cumulative Bonus upto a maximum of 50%

Kotak Health Premier

A long list of benefits is available to you under the Kotak Health Premier plan.

1. In-patient Treatment
2. Day Care Treatment
3. Pre and Post-Hospitalization Medical Expenses
4. Restoration Benefit
5. Cumulative Bonus up to 50%/100% of the sum insured
6. Annual Health Check-up
7. Second E-Opinion Cover
8. Road Ambulance Cover
9. Organ Donor Cover
10. Alternative Treatment
11. Domiciliary Hospitalization
12. Hospital Daily cash
13. Convalescence Benefit
14. Home Nursing Benefit
15. Daily Cash for Accompanying an Insured Child
16. Compassionate Visit expenses
17. Air Ambulance Cover
18. Maternity Covers

Arogya Sanjeevani Policy

Arogya Sanjeevani policy comes with features like Hospitalisation & Day Care Treatments cover, Ambulance Charges covered up to INR 2,000 per hospitalization, Pre- & post-hospitalization expenses, AYUSH Benefit, Cumulative Bonus up to a maximum of 50% and a fixed copay for 5% for all claims and ages.

Corona Kavach Policy

Your Covid Hospitalization expenses for the treatment of Covid on positive diagnosis in a government authorized diagnostic centre will be covered in Corona Kavach Policy. It includes pre- and post-hospitalization expenses, road ambulance expenses, Home Care Treatments, AYUSH treatment, Hospital Daily Cash of 0.5% of the sum insured.

Note:- The total payable amount shall not exceed 100% of the Sum Insured during a policy period. Corona Kavach Policy’s minimum sum insured is INR 50,000 and its maximum sum insured is INR 5 lakh.

Corona Rakshak Policy

Receive a lump sum equal to 100% of the Sum Insured on being diagnosed positive for COVID-19. On payment of 100% of the sum insured, the policy shall terminate. Corona Rakshak Policy’s minimum sum insured is INR 50,000 and its maximum sum insured is INR 2.5 lakh.

Kotak Car Insurance Product

You can buy car insurance at Kotak General Insurance that will cover damage for natural or man-made calamities. Also, there is a Personal Accident Cover under the Kotak car insurance that protects other passengers travelling in the car, as long as the number of passengers is limited to the carrying capacity of the car, excluding the driver. And with the Third-Party Legal Liability, you can keep everybody safe as this provides cover for any damage to third-party property and third-party bodily injury.

Kotak Two-Wheeler Insurance Product

Purchase insurance for your bike, so you will be secured against Loss or Damage, liability to Third Party damages and can secure yourself (driver) from an accident. The Kotak Two-Wheeler insurance consists of all these benefits, you just need to pay a premium for it. And at Kotak General Insurance, you have the freedom to choose a policy tenure of 1, 2 or 3 years.