What are the key benefits of buying Kotak Health Super Top Up policy?

On buying Kotak Health Super Top Up policy, you get covered for expenses related to in-patient treatment, daycare treatment, pre & post hospitalisation expenses, organ donor cover, restoration of sum insured, cumulative bonus, and various others.

Can I buy Kotak Health Super Top Up policy even if I don’t have an existing health policy?

Yes, you can! Kotak Health Super Top Up policy will become active once the deductible amount (covered under existing policy or borne by policyholder) gets crossed. So, even if you lack a health insurance policy at the present time, you can go for Kotak Health Super Top Up policy.

Does Kotak Health Super Top Up policy cover ambulance expenses?

Yes! The policy covers ambulance charges for up to Rs. 2,000 per hospitalisation.

Is AYUSH treatment covered under Kotak Health Super Top Up policy?

Yes! Kotak Health Super Top Up policy covers medical expenses for alternative treatment related to Ayurveda, Unani, Sidha and others up to Rs. 50,000.

Can the amount for double sum insured for hospitalisation due to an accident be carried forward if unutilised in a policy year?

No, carry forward of the unutilised amount to any subsequent policy year is not allowed under Kotak Health Super Top Up policy.

What is the waiting period in case of Kotak Health Super Top Up policy?

For Kotak Health Super Top Up policy, the waiting period is 30 days. Any illnesses contracted or medical expenses incurred in respect of an illness are not covered during the first 30 days from the start of the policy.

Can I purchase Kotak Health Super Top Up policy for 2 or 3 years?

Yes, you can! Opting for a long-term cover of 2 or 3 years will help you stay protected for a long time period.

Does Kotak Health Super Top Up policy offer tax benefits?

Yes! You can save tax under Section 80D of the Income Tax Act 1961.

Are dental treatments, aesthetic or cosmetic surgeries, and procedures like such covered under Kotak Health Super Top Up policy?

No! Kotak Health Super Top Up policy does not provide coverage for dental treatments, aesthetic or cosmetic surgeries, and other procedures & treatments of the similar kind.

What is the free-look period under Kotak Health Super Top Up policy?

Under Kotak Health Super Top Up policy, the insured individual is allowed a period of at least 15 days from the date of receipt of the policy to review the policy terms & conditions and to return the same if not acceptable.

Kotak Health Super Top Up Insurance Wordings

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Highlights

Cashless Approval TAT	Within 35 minutes
Claim Settlement Ratio	97%
Network Hospitals	9,450+
Pre-existing Waiting Period	4 year
Special Benefits	No Capping on Room Rent
Starting Premium for Rs. 5 lakhs SI	Rs. 489/month

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Kotak Kotak Health Super Top Up Brochure

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Jul 25, 2019

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Kotak Mahindra Health Insurance Plan List

Family (2)
Individual (2)
Parents (1)
Critical Illness (1)
Kids (1)
Maternity (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Kotak Health Care (Discontinued)Min: 91 Days; Max: 65 YearsPopular	2 Lakh	Check Premium
Kotak Secure ShieldMin: 18 Years; Max: 65 Years	5 Lakh	Check Premium
Kotak Health PremierMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 18 years; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 years	50 Thousand - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 Lakh	Check Premium

Kotak Mahindra Health Insurance Top Up List

Top-up (1)

Name of Plan	Sum Insured
Kotak Health Super Top UpMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium

Choose Kotak General Plan for

FAQs on Kotak Health Super Top Up Health Insurance Plan

What are the key benefits of buying Kotak Health Super Top Up policy?
On buying Kotak Health Super Top Up policy, you get covered for expenses related to in-patient treatment, daycare treatment, pre & post hospitalisation expenses, organ donor cover, restoration of sum insured, cumulative bonus, and various others.
Can I buy Kotak Health Super Top Up policy even if I don’t have an existing health policy?
Yes, you can! Kotak Health Super Top Up policy will become active once the deductible amount (covered under existing policy or borne by policyholder) gets crossed. So, even if you lack a health insurance policy at the present time, you can go for Kotak Health Super Top Up policy.
Does Kotak Health Super Top Up policy cover ambulance expenses?
Yes! The policy covers ambulance charges for up to Rs. 2,000 per hospitalisation.
Is AYUSH treatment covered under Kotak Health Super Top Up policy?
Yes! Kotak Health Super Top Up policy covers medical expenses for alternative treatment related to Ayurveda, Unani, Sidha and others up to Rs. 50,000.
Can the amount for double sum insured for hospitalisation due to an accident be carried forward if unutilised in a policy year?
No, carry forward of the unutilised amount to any subsequent policy year is not allowed under Kotak Health Super Top Up policy.
What is the waiting period in case of Kotak Health Super Top Up policy?
For Kotak Health Super Top Up policy, the waiting period is 30 days. Any illnesses contracted or medical expenses incurred in respect of an illness are not covered during the first 30 days from the start of the policy.
Can I purchase Kotak Health Super Top Up policy for 2 or 3 years?
Yes, you can! Opting for a long-term cover of 2 or 3 years will help you stay protected for a long time period.
Does Kotak Health Super Top Up policy offer tax benefits?
Yes! You can save tax under Section 80D of the Income Tax Act 1961.
Are dental treatments, aesthetic or cosmetic surgeries, and procedures like such covered under Kotak Health Super Top Up policy?
No! Kotak Health Super Top Up policy does not provide coverage for dental treatments, aesthetic or cosmetic surgeries, and other procedures & treatments of the similar kind.
What is the free-look period under Kotak Health Super Top Up policy?
Under Kotak Health Super Top Up policy, the insured individual is allowed a period of at least 15 days from the date of receipt of the policy to review the policy terms & conditions and to return the same if not acceptable.

View More Questions

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

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Kotak Mahindra Health Insurance
1800-266-4545Mon to Sat 8:00 AM to 8:00 PM
care@kotak.com