Kotak Health Care Health Insurance

The add-on promises a specific amount if the insured individual is admitted in hospital for a minimum period of 10 consecutive days. Applicable on an individual basis regardless of individual/family floater policy type, convalescence benefit is paid for over and above the opted base annual sum insured. Note that the benefit is available only once during the policy year and provided that the claim for in-patient treatment under policy has been accepted. 

The add-on for donor expenses reimburses in-patient hospitalisation medical expenses towards donor for harvesting the organ up to the limits of the selected base annual sum insured. If the policy is on individual basis, the payout is available on individual basis. In case of floater basis, it is provided on floater basis. 

The add-on offers a payment of critical illness sum insured specified in the policy schedule, in case the insured individual is first diagnosed to be suffering from any of the covered critical illnesses during the policy period. Note that be it individual or family floater policy, the benefit is applicable on an individual basis.

On opting for the add-on, the policyholder is reimbursed medical expenses incurred in respect of the insured individual’s hospitalisation during the policy period in case of an injury sustained solely and directly because of an accident that occurs during the policy period up to twice the chosen base annual sum insured. The benefit is applicable on an individual basis regardless of the policy type. 

When you invest in Kotak Health Care, you invest in good health. Available for a policy period of 1, 2, and 3 years, Kotak Health Care offers coverage for self, spouse, dependent children & parents. The best part about the plan is that it provides extensive coverage for expenses related to in-patient treatment, pre & post hospitalisation, emergency ambulance, specific day care procedures, and numerous others aspects. What’s even better is that the plan comes with a few additional covers that you can make the most of by choosing specific variants. The overall coverage elements comprise:

• One free health check-up, each policy year for specified tests (at network provider for insured over 18 years of age)
• Cumulative bonus of 10% on base annual sum insured on policy renewal
• Optional cover - Hospital Daily Cash (Extension for each and every completed day of the insured person's hospitalisation, subject to conditions)
• Optional cover - Convalescence Benefit (Available once during the policy year, subject to other conditions)
• Optional cover - Donor Expenses (Reimbursement of inpatient hospitalisation expenses towards donor)
• Optional cover - Critical Illness Cover (Benefit applicable on individual basis)
• Optional cover - Double Sum Insured (Benefit applicable on individual basis irrespective of policy type)
• Optional cover - Cap on Room Rent (Insured is entitled for a discount in base premium as entitled on opting the cap on room rent)
• Optional cover - Maternity Benefit (Medical expenses incurred up to the maternity benefit sum insured specified in the policy schedule is indemnified)
• Optional cover - Newborn Baby Cover (Medical expenses incurred on the hospitalisation of the insured person's newborn baby, up to the limits of the base annual sum insured)

Apart from the extensive coverage features and benefits, Kotak Health Care has additional elements that make it worth investing in. The key aspects that increase the demand of the plan include - 

• Cashless settlement of claims
• Guaranteed renewal for life
• 30 days grace period for renewal
• Tax benefits under Section 80D of the Income Tax Act, 1961
• A discount of 5% on purchasing the policy for 2 years; 10% discount on buying the policy for 3 years

Undoubtedly, Kotak Health Care is a good health insurance investment you can opt for. Affordable and reliable, the plan is the best way to tackle unexpected medical expenses.

If you are willing to buy Kotak Health Care online, note that it would be a great choice. Buying plan online will help you get it issued sooner. Moreover, buying the policy from InsuranceDekho will provide you benefits like policy portability, claim settlement support, and multiple others. 

In case of individual policy, while the minimum entry age is 5 years, the maximum entry age is 65 years. In case of family floater, minimum entry age is 91 days, the maximum entry age is 65 years. The maximum entry age for dependent children is 25 years.

There is no exit age for the plan. Kotak Health Care comes with lifelong renewability feature.

Under Kotak Health Care, the sum insured range starts from Rs. 2 Lakh and goes up to Rs. 100 Lakh. Note that the sum insured varies as per the variant opted for.

Kotak Health Care can be availed in the form of three variants, namely Excel, Premium, and Prime. Sum insured range for Excel is Rs. 2 Lakh to Rs. 4 Lakh while for Premium, the sum insured range starts from Rs. 5 Lakh to Rs. 25 Lakh. For Prime variant, sum insured range begins with Rs. 10 Lakh and goes up to Rs. 100 Lakh.