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Health Insurance 786 views July 9, 2021
If you are looking to offer customized health insurance coverage to your employees or group members and their dependents, think of buying the Kotak Group Health Care Insurance Plan. Kotak understands the diverse needs of the company’s requirements and offers flexible health insurance coverage accordingly. With this plan, insured members (employees or group members) remain free of worries about their financial well-being during medical emergencies.
Before understanding this plan in detail, let’s check its salient features mentioned below.
You would want to know these features of the Kotak Group Health Care Insurance Plan in detail. On this page, we will let you know the same. So, read on.
Table of Contents
Kotak Group Health Care Insurance Plan provides a financial cushion to the insured members under a group against unforeseen medical conditions. Let’s understand its key features mentioned below.
In-patient Hospitalization Cover
The policy will cover the expenses for a minimum and continuous 24-hour hospitalization of the insured person’s during the policy period. Under this, the following medical expenses will get covered.
Day Care Treatment Cover
If an illness or injury requires hospitalization of an insured member for less than 24 hours (day care treatments), the policy will also cover the expenses on such treatments. However, insured members will not get OPD treatment cover under this benefit.
Pre and Post-hospitalization Medical Expenses Cover
Once the in-claim or day care treatment claim has been accepted, you will also get coverage against expenses incurred before and after the hospitalization up to specified days.
Domiciliary Hospitalization Cover
The policy will cover the expenses incurred on the insured person’s domiciliary hospitalization (treatment taken at home, which otherwise would require a proper hospitalization) during the policy term provided the treatment should run for at least three consecutive days. The coverage amount will be up to the sum insured.
Emergency Ambulance Cover
If an insured member needs to be transported to the nearby hospital by a healthcare or ambulance service provider, the policy will cover the reasonable expenses incurred on the same. It is necessary to get the certification of the necessity of transportation by the treating medical practitioner.
Organ Donor Expenses Cover
In case of an organ transplantation procedure, Kotak Group Health Care Insurance Plan will also cover the in-patient hospitalization medical expenses incurred on the donor for harvesting the organ, up to the basic sum insured. The following expenses will not get covered under this benefit.
Insured members can also enjoy the following additional covers with this group health insurance plan.
Have a look at the important conditions related to the Group Health Care Insurance Policy mentioned below.
Insured members will not get covered against the following expenses.