Health Insurance 1356 views December 14, 2020

Your health should be your priority over anything else, especially in the times where medical bills are on a constant rise and can hurt your overall finances in case of any medical emergency. That’s why more and more people are going for a health insurance plan these days. Kotak Health Insurance from Kotak Mahindra General Insurance Company is one of the most trusted health insurance brands among customers because of several reasons such as its wide range of products, higher claim settlement ratio, faster claim settlement process, etc.

Health Insurance

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Here, we will be discussing all the reasons that make it so trusted among customers. Other than this, we will also be talking about different plans by Kotak Health Insurance and their features. Keep reading to know more!

Why Should you Choose Kotak Health Insurance?

Before choosing any Health Insurance Policy for yourself, it’s important to count the reasons that make it a good choice for you. When it comes to Kotak Health Insurance, such reasons are endless. One of the striking features is the availability of more than 4,000 network hospitals across India. With so many network hospitals, policyholders can easily claim. Kotak Health Insurance has provided more than 3 lakh policies, and the number has only been rising with each day.

Individuals can also avail of the In-house Claim Settlement, which means there is no third-party interference. Hence, you don’t need to worry when claiming for any medical emergencies. With a Claim Settlement Ratio of 76.20% in the FY 2019-20, you can easily trust Kotak Health Insurance. Also, you can choose from the two options of Cashless and Reimbursement Procedure for your claim settlement according to your convenience. Other than this, you can also enjoy tax benefits under Section 80D of the Income Tax Act, 1961.

Types of Kotak Health Insurance

As we told you earlier that Kotak Health Insurance offers different types of plans that you can choose according to your needs and convenience. There are a total of 8 Health Insurance Policies from which you can choose. Want to know the features of these policies? Well, we are showing the same for some of the popular plans below. Do check!

Kotak Secure Shield Health Insurance Plan

Uniquely designed to protect yourself and your family from any of the critical illnesses, Kotak Secure Shield can be suitable for you. Let’s look at its key features.

  1. Critical Illness Benefit as One-time Lump Sum sum Insured
  2. Personal Accident Benefit
  3. Child Education Benefit
  4. Loss of Job Benefit (due to illness or accident) in the form of a loan
  5. Kotak Edge Facility
  6. Lifelong Renewability Allowed with an Entry Age of 18 to 65 years
  7. Free Look Period of 15 days
  8. Option to choose the Family Member you wish to

Kotak Health Care Insurance Plan

Want to enjoy medical treatments without worrying about your financial situation? Well, Kotak Health Care can be the right choice for you! Let’s know the advantages that you can enjoy.

  1. Coverage against Medical Bills that include in-patient treatment, daycare treatment, pre-hospitalization expenses, etc.
  2. Free Health Checkup for every insured member above the age of 18
  3. Option to choose from Family Floater Health Insurance and Individual Health Insurance
  4. Base Sum Assured up to INR 100 lakhs
  5. Waiting Period of 4 Years for pre-existing diseases
  6. Policy Tenure of 1, 2, and 3 years
  7. Optional Cover of Hospital Daily Cash + Convalescence Benefits + Donor Expenses

Kotak Health Super Top Up Plan

Kotak Health Super Top Up Plan can help individuals get higher insurance cover at lower rates. One of the best features of this plan is that you can opt for this plan even if you don’t have any existing health insurance plan. Want to know its other features? Have a look!

  1. In-Patient Treatment out of a minimum of 24 hours of Hospitalization
  2. Day Care Treatment
  3. Pre- and Post- Hospitalization
  4. Ambulance Cover and Organ Donor Care Expenses
  5. Cumulative Bonus as 10% of the Additional Annual Sum Insured for every Claim Free year
  6. Option to cover your entire family under one plan
  7. Wide Range of Sum Insured options

Kotak Health Premier Insurance Plan

This plan from Kotak Health insurance is a comprehensive plan that offers rewards along with protection of your health. Other than this, you can also enjoy value-added benefits with Kotak Health Premier. Here are some of the key features of this plan. Check them out!

  1. Medical Expenses related to In-patient treatment, such as Room Rent, ICU Charges, Operation Theatre Charges, etc.
  2. Day Care Treatment for listed 405 Day Care Procedures
  3. Restoration Benefit up to 100% of the Base Sum Insured
  4. Annual Health Check-up for insured persons above 18 years of age
  5. Alternative Treatment Coverage like Ayurveda, Yoga, etc.
  6. Air Ambulance Cover
  7. Maternity Benefit under select plan options
  8. Optional Covers of Critical Illness Cover, Personal Accident Cover, and a Cap on Room Rent for getting a discount on the premium

Kotak Corona Kavach Health Insurance Plan

Are you worried about Hospitalization expenses related to the COVID-19 Treatment? Well, you can choose Corona Kavach Health Plan from Kotak Health Insurance. Here are some of the features of this plan that you should know.

  1. COVID Hospitalization Cover including a pre-hospitalization cover for 15 days
  2. Expenses on Road Ambulance
  3. Home Care Treatment Expenses
  4. AYUSH Coverage
  5. Optional Cover of Hospital Daily Cash (0.5% of the sum insured per day up to 15 days)
  6. Sum Insured amount ranging from INR 50,000 to INR 5 lakh
  7. Policy period – Three and a Half Month, Six and a half month, and Nine and a half month

Kotak Accident Care Health Insurance Plan

This policy from Kotak Health Insurance Plan can protect your financial future in case of any total or partial disability in case of an accident. Have a look at the key features of Kotak Accident Care!

  1. Lifelong Renewal Facility with Policy period options of 1, 2, or 3 years
  2. Accidental Cover in the form of Lump Sum Amount
  3. Accidental Hospitality Daily Case Benefit
  4. Convalescence Benefit up to INR 10,000 for a minimum of 10 days
  5. Children Education Grant
  6. Ambulance Charges
  7. Entry age of 5 years to 65 years
  8. Accidental Hospitalization Expenses Reimbursement
  9. Expenses Coverage related to Carriage of Dead Body

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