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Health Insurance 1014 views June 8, 2021
Hefty treatment costs in a medical emergency can cause financial upheaval in your life. Kotak General Insurance Health Care is a comprehensive health insurance plan to ensure financial protection for yourself and your family in such a situation. With this policy from Kotak, policyholders can get quality medical treatment without worrying about their finances. This plan allows individuals to choose from different options that include individual personal health insurance, the entire family under one plan or numerous family members under separate policies.
You can get the following benefits by availing Health Care Plan from Kotak General Insurance.
Now, you would want to know these features and benefits in detail. On this page, we will discuss the same so that you can understand the plan better. Keep reading to know more!
Table of Contents
You can check the detailed features and benefits of the Kotak General Insurance Health Care mentioned below.
Policyholders can choose from different plan options under Kotak General Insurance Health Care. Each plan has multiple sum insured options. To know more, check the below table.
Plan Option | Sum Insured Option (In INR) |
---|---|
Excel | 2/ 3/ 4 lakh |
Premium | 5/ 10/ 15/ 20/ 25 lakh |
Prime | 10/ 15/ 20/ 25/ 50/ 75/ 100 lakh |
Under the Health Care Plan, policyholders can choose from three policy term options – 1, 2 or 3 years.
If a policyholder is undergoing a treatment or procedures that do not require a minimum of 24-hour hospitalization (Day Care Treatment), Health Care Plan will cover the cost incurred on these procedures. Under this benefit, you can get coverage for up to 150 specified procedures and treatments.
In case of hospitalization, policyholders will cover medical expenses incurred 30 days before and 60 days after hospitalization.
Policyholders can also get no-claim benefits under the policy by which they will receive a cumulative bonus of 10% of the base annual sum insured on renewal on not claiming in a policy year. The maximum bonus can be 50% of the basic coverage amount.
Under different plan options, you can choose multiple add-on covers according to your convenience. To know more, check the below table.
Plan Option | Details |
---|---|
Excel | Pack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses Pack 2: Critical Illness Cover + Double Sum Insured Hospitalization due to Accident Pack 3: Cap on Room Rent ( 1% and 2% of annual sum insured in case of Non-ICU and ICU Hospitalization, respectively) |
Premium | Pack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses Pack 2: Critical Illness Cover + Double Sum Insured Hospitalization due to Accident |
Prime | Option 1: Hospital Daily Cash Option 2: Convalescence Benefit Option 3: Donor Expenses Option 4: Critical Illness Cover Option 5: Double Sum Insured Hospitalization due to Accident Option 6: Domiciliary Hospitalization Cover Option 7: Alternative Treatment Option 8: Maternity Benefit Option 9: New Born Baby Cover Option 10: Compassionate Visit Option 11: Restoration of the Sum Insured |
Here, Hospital Daily Cash will be INR 500 per day up to 10 days of hospitalization if an insured person is hospitalized for more than 3 days.
Convalescence benefit will be INR 10,000 for a minimum of 10 days of hospitalization.
Donor Expenses will be up to the annual base sum insured if an insured person needs to undergo an organ transplant surgery.
Critical Illness Cover will be an additional sum insured equal to the base sum insured under the Excel Plan, whereas if you choose Premium Plan, you will get an additional INR 5 lakh.
Let’s check the Kotak General Insurance Health Care eligibility criteria mentioned below.
The plan will not provide any coverage in the following situations.