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Kotak Health Premier Insurance User Reviews

122 reviews Rate This
Kotak
Highlights
Cashless Approval TATWithin 35 minutes
Claim Settlement Ratio97%
Network Hospitals9,450+
Pre-existing Waiting Period4 year
Special BenefitsNo Capping on Room Rent
Starting Premium for Rs. 5 lakhs SIRs. 489/month

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Disclaimer: Actual Premium might vary basis your location, age and number of members
Rating of Kotak Health Premier
3.7
Based on
27 User reviews

  • Learned about claim settlement ratio

    I learned about the claim settlement ratio on InsuranceDekho. It is an important factor and everyone must check the claim settlement ratio before selecting any insurance company. I compared the ratios of all insurance companies before finalising  Kotak’s Kotak Health Premier plan. 

    B
    Bidita Sarkar
    On: Mar 04, 2021

  • My latest insurance

    It has been only 15 - 20 days that i bought this insurance policy by kotak. I would say that it is a worthy purchase for me. I am getting the flexibility to cover multiple family members. The benefits that i am getting are in-patient treatment, ambulance cover, daycare treatment, restoration benefit, maternity benefit, and more.

    M
    Mohinder
    On: Feb 10, 2020

  • Good one for me

    I was introduced to kotak health premier by insurancedekho team. They suggested it was the best for me and my requirements. I found the same to be true as well. After all, i am getting high cover at low premium without any issues. So, i am fully satisfied. 

    J
    Jagpal Singh
    On: Feb 06, 2020

  • Nice, less premium plan

    I want to first thank insurancedekho for suggesting this policy to me. My premium amount is very low for so much cover. I am getting covered for in-patient treatment, daycare treatment, maternity benefit, cumulative bonus, ambulance cover, restoration benefit, and others. What’s helpful is that i am able to cover my siblings also under it.      

    S
    Suraj Mohan
    On: Feb 04, 2020

  • Satisfactory cover for me

    I was looking for a plan with benefits like maternity benefit, cumulative bonus and like such. Thanks to this policy i am getting covered for all that i wanted. The premium might be a little high for me, but overall i think my premium money will be worth it.  

    G
    Gauri Singh
    On: Feb 03, 2020
    • Must BuyMust Buy

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  • Covers multiple relations for me

    The reason i have purchased this cover is because it is providing me coverage for parents-in-law as well as siblings. Must say that the premium is very less also. Services by kotak until now good. I expect a lot from this insurer.

    S
    Sanchit Agarwal
    On: Jan 30, 2020

  • Good plan for family

    I had always wanted a family that helps me cover my family. So glad that i have kotak health premier that covers me as well as my spouse, children, parents, parent in laws, and siblings. At such less premium rate, i am getting covered for in-patient treatment, maternity benefit, daycare treatment, ambulance cover, cumulative bonus, etc.

    A
    Atul Chaudhary
    On: Jan 17, 2020

  • Comes with maternity benefits and more

    So, i was in search of a reasonable plan with multiple benefits. Thanks to insurancedekho i found kotak health premier. Now i am covered for benefits like maternity, in-patient treatment, restoration benefit, daycare treatment, ambulance cover, cumulative bonus, and many others. The best part is that the premium amount is very less.

    M
    Manish Singh
    On: Jan 09, 2020

  • Vast cover for members

    I bought this policy around 18 days back. This policy by kotak covers my full family, including my in laws and siblings. My coverage features are in-patient treatment, daycare treatment, ambulance cover, maternity benefit, restoration benefit, cumulative bonus, and many others. I have also got add-on covers like critical illness cover and cap on room rent with this.  

    S
    Sonu
    On: Jan 01, 2020

  • No financial issue with this plan

    After i have chosen health premier of kotak as my health insurance plan, all my tensions related to money have gone away. I recommend this plan because it is offering wide coverage, less premium, and that too after covering parents in law & siblings. I must say that with this plan, kotak has done really a good job. 

    G
    Gajanan Govind Bargaje
    On: Dec 27, 2019

  • Health premier is excellent plan

    To anyone looking for an affordable plan at low rates, this is the one for you. It covers you for a lot. Inpatient hospitalisation, pre and post hospitalisation coverage, 405 daycare procedures, ambulance expenses, maternity benefits, are to name a few. Add-on covers include critical illness cover, cap on room rent, and personal accident cover.  

    V
    Vinod Lalwani
    On: Dec 19, 2019

  • Best policy to go with

    Kotak health premier is my first purchase with kotak. I am so thankful to insurancedekho people for recommending this plan to me. Because of them, i have gained cover for pre and post hospitalisation coverage, ambulance cover, inpatient hospitalisation, daycare procedures, 100% restoration of the sum insured and much more. The best part is that i did not have to pay much premium. 

    S
    Shashank Chandra
    On: Dec 13, 2019

  • Satisfied with health premier cover

    There were two prime reasons that i invested in this plan. The first was that it covers my full family comprising myself, spouse, children, dependent parents, and siblings. Secondly, it comes with benefits like cover for in-patient treatment, maternity benefit, daycare treatment, ambulance cover, restoration benefit, cumulative bonus, etc. Also, the premium is very less.

    M
    Manish Saini
    On: Dec 06, 2019

  • Great option for you

    People with vast family, go for this plan as it covers one for self, spouse, children, dependent parents, parent in laws, and siblings. The overall experience of buying this plan is smooth. The premium doesn’t cost you much. Kotak Health Premier comes with features like ambulance cover, inpatient hospitalisation, pre and post hospitalisation coverage, 100% restoration of sum insured, etc.

    A
    Amitabh Singh
    On: Nov 27, 2019

  • Highly recommended from me

    Thanks InsuranceDekho that you informed me about this plan and recommended me to buy it. I am satisfied with the cover i have received. I am also fine with the premium amount. Above key benefits, i have also chosen add-ons like critical illness cover, personal accident cover, and cap on room rent.  

    N
    Nayan Sharma
    On: Nov 27, 2019

  • Health premier is a fine policy

    This is one plan i have recently purchased. In-patient treatment, restoration benefit, maternity benefit, daycare treatment, ambulance cover, cumulative bonus are a few benefits that i liked in the plan. What’s best is that the premium one has to pay is very less. Anyone can go for health premier by kotak.

    U
    Umesh Kumar
    On: Nov 18, 2019

  • Highly recommended to everyone

    Kotak Health Premier is a wide cover, less premium plan that i recommend to every relative and friend of mine. It has been 6-7 months that i purchased this policy. Its features are many and great. All in all, it gives you an optimum cover for multiple medical expenses at a very less premium price.  

    A
    Ashish
    On: Nov 18, 2019

  • Kotak health premier is recommended

    InsuranceDekho, i am thankful to you for recommending this plan to me. Friends, i must tell you that this plan is really good. You get wide cover at low rates of premium. Inpatient cover, ambulance charges, day care procedures, pre & post hospitalisation, this plan covers all.

    M
    Md Zubair
    On: Nov 05, 2019

  • Too good in terms of features

    This is my first policy with kotak. I am completely new to kotak experience, but as of now everything is good.I have got a large cover with multiple benefits. My premium is a lot less than i thought it would be. I am hoping the claim settlement process also comes as simple in future.

    J
    Jyoti
    On: Nov 05, 2019

  • Kotak health premier is valuable

    I liked all other kotak plans but went with this one. It suited my needs perfectly. At such low premium cost, i gain coverage for in-patient treatment, daycare treatment, ambulance cover, and multiple other benefits. Also, i am getting lifelong renewable. I am happy and satisfied.

    P
    Poornima
    On: Oct 25, 2019

  • Again great policy by kotak

    Kotak is my go-to stop for health insurance. It has been a few months since i bought this policy. My coverage includes basic medical expenses, but i also opted for add-on benefits like cap on room rent and personal accident cover. Critical illness cover is also there. I would say this plan is perfect.

    V
    Victor
    On: Oct 25, 2019

  • Once again good plan by kotak

    I knew i will always get right information from InsuranceDekho guys. When they suggested Kotak Health Premier i was ready to buy it instantly. Now, i am getting cover for in-patient treatment, ambulance cover, daycare treatment, restoration benefit, maternity benefit, and other various benefits.  

    A
    Anil
    On: Oct 15, 2019

  • Kotak Health Premier is a blessing for me

    Had it not been for Kotak Health Premier, i wouldn’t have been able to pay for the medical expenses. The claim process was extremely easy. I got cover for most of the medical expenses as i had expected. I am happy that i chose this cover above others.  

    K
    Kumar Gaurav
    On: Oct 15, 2019

  • Perfect plan for a family

    I was looking for a plan covering siblings. Thanks to InsuranceDekho i found this plan under my budget. I am happy with Kotak health premier in terms of coverage and premium. I am getting wide cover for a minimal premium and able to cover my siblings. 

    S
    Sagar
    On: Oct 05, 2019

  • Kotak health premier is a great plan

    My experience with Kotak health premier has been good. In-patient care, daycare treatment, ambulance cover, restoration benefit, and others are a few highlights of this plan. I made one claim and the process was quite smooth. I got covered for critical illness and other promised benefits.

    V
    Vijay Kumar
    On: Oct 04, 2019

  • Vast coverage offered

    Kotak Health Premier is an affordable plan with great coverage. At low premium, it provides cover for daycare treatment, ambulance cover, maternity benefit, restoration benefit, etc. I am really thankful to InsuranceDekho for recommending this superb plan to me at a time when i needed financial security the most.

    V
    Vipin Goswami
    On: Sep 25, 2019

  • Worth the money

    My decision to purchase Kotak Health Premier has been helpful. I have made a claim up til now. Must say the experience was satisfying as the claim was easy. The promised medical expenses were covered. All in all, i am happy and thankful to InsuranceDekho for recommending this great plan to me.

    S
    Sharanya Panickar
    On: Sep 25, 2019

Choose Kotak General Plan for

FAQs

  • Why should I buy a health insurance policy from Kotak General Insurance?

    Kotak General Insurance is an ideal choice for both, individuals as well as families that wish to invest in health insurance without breaking their bank. Reasons that make the insurer different than the others include customer-centric operations, customised products and services, digitally enabled processes, efficient claims handling, strong management practices, team of experienced professionals, and others. Talking specifically about policies, the insurer provides comprehensive coverage against the expenses of medical treatment in case of medical emergencies, and that too at a low premium.

     

  • How to buy and apply for Kotak Mahindra health insurance policy?

    To apply for and purchase a Kotak Mahindra health insurance policy online, you can either visit the official website of Kotak General Insurance or at InsuranceDekho. If possible, you can also visit the nearest branch of Kotak General Insurance and uncover more about different policies offered and learn about their purchase in a detailed manner.

  • What are the health insurance policies offered by Kotak General Insurance?

    Under its health category, Kotak General Insurance offers plans such as Kotak Secure Shield, Kotak Health Premier, Kotak Health Care, Kotak Accident Care, and Kotak Health Super Top Up. 

  • Does Kotak General Insurance offer critical illness cover?

    Yes, Kotak General Insurance provides comprehensive coverage for 18 types of critical illnesses under its Kotak Secure Shield policy.

  • What is the Claim Settlement Ratio of Kotak General Insurance?

    The Claim Settlement Ratio of Kotak General Insurance for FY 2019-20 is 75.45%.

View All

Claim Process at Kotak Mahindra Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Kotak Mahindra Health Insurance Contact Details

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