Health Insurance 380 views June 8, 2021

Kotak General Insurance Health Care Plan

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.

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You can get the following benefits by availing Health Care Plan from Kotak General Insurance.

  1. Flexible sum insured options with multiple plans
  2. Coverage against medical bills
  3. In-patient treatment coverage
  4. Free health check-up every policy year
  5. Ambulance cover
  6. Enhanced protection
  7. Availability of individual and floater options
  8. Lifelong renewability option
  9. A 15-day free look period
  10. Tax benefits under Section 80D of the Income Tax Act, 1961

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!

Let’s Understand the Features and Benefits of Kotak General Insurance Health Care in Detail

You can check the detailed features and benefits of the Kotak General Insurance Health Care mentioned below.

Multiple Plans with Flexible Sum Insured Options

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 OptionSum Insured Option (In INR)
Excel2/ 3/ 4 lakh
Premium5/ 10/ 15/ 20/ 25 lakh
Prime10/ 15/ 20/ 25/ 50/ 75/ 100 lakh

What is the Policy Period?

Under the Health Care Plan, policyholders can choose from three policy term options – 1, 2 or 3 years.

Day Care Treatment Coverage

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.

Pre and Post-Hospitalization Medical Expenses

In case of hospitalization, policyholders will cover medical expenses incurred 30 days before and 60 days after hospitalization.

Cumulative Bonus

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.

Option to Choose from Multiple Add-on Covers

Under different plan options, you can choose multiple add-on covers according to your convenience. To know more, check the below table.

Plan OptionDetails
ExcelPack 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)
PremiumPack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses

Pack 2: Critical Illness Cover + Double Sum Insured
Hospitalization due to Accident
PrimeOption 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.

Kotak General Insurance Health Care Eligibility Criteria

Let’s check the Kotak General Insurance Health Care eligibility criteria mentioned below.

  1. For individuals, the minimum and maximum entry age stand at 5 and 65 years, respectively.
  2. In the case of floater policy, the minimum and maximum entry age stand at 91 days and 65 years, respectively. The list of relationships covered includes Self, Spouse, Dependent Children and Dependent Parents.
  3. For dependent children, the maximum age can be 25 years.

What is Not Covered Under Kotak General Insurance Health Care Plan?

The plan will not provide any coverage in the following situations.

  1. Costs of the routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractive errors, contact lenses, hearing aids, dentures or artificial teeth
  2. Expenses incurred on the prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, etc.
  3. Expenses incurred on all dental treatment (unless due to an Accident)
  4. Any expenses incurred on personal comfort, cosmetics, convenience, hygiene-related items and services
  5. Naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies
  6. Circumcision unless necessary
  7. Vaccination or inoculation of any kind, unless it is an animal bite
  8. Sterility, venereal disease or any sexually transmitted disease
  9. Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol
  10. Treatment of mental illness, stress, psychiatric or psychological disorders

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