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Kotak Term Insurance User Reviews

172 reviews Rate This
Kotak Term Insurance
Highlights
Claim Settlement Ratio98.50%
Customer Care8:00 AM to 10:00 PM
Death Benefit Paid For3,225 Policies
Inception2001
Presence232 Branches
Total Death Benefit PaidRs. 170.14 Crore

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Choose required coverage to secure your family’s future

50L
1Cr
1.5Cr
2Cr
Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

Best Kotak Term Insurance Plans

1 Crore
1.5 Crore
2 Crore
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.4%
Starting From ₹ 1398/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Special Exit Benefit
  • Right Green Tick Terminal illness
  • Right Green Tick Accidental Death
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.7%
Starting From ₹ 1132/Month
Key Features:
  • Right Green Tick Special Exit Benefit
See More Plans
Rating of Kotak
4.7
Based on
172 User reviews

  • Smooth comparisons

    It is very easy to compare term insurance plans on InsuranceDekho’s website using the online term insurance premium calculator tool. I had to enter a few personal details such as age, gender, date of birth along with sum assured and term insurance plans were displayed instantly based on the information provided. I compared and selected Kotak’s e-Term plan from InsuranceDekho. 

    M
    Mubarak Sethi
    On: Feb 01, 2023

  • Got to know about useful riders

    While purchasing Kotak’s e-Term plan from InsuranceDekho I got to know about some useful riders which can help me increase the scope of coverage of my term plan. I purchased the term plan and added a suitable rider to my term plan. 

    M
    Maveer Gupta
    On: Jan 31, 2023

  • User-friendly website

    The InsuranceDekho website is a user-friendly website. While buying the Kotak - e term plan, I could easily locate its benefits because of the well-managed website. The plan offered many benefits and was worth buying. 

    N
    Niyati Aggarwal
    On: Jan 25, 2023

  • Helpful customer care services

    I had some queries related to my Kotak’s e-term plan which I had purchased from InsuranceDekho. I contacted the customer care number of InsuranceDekho to get my queries resolved, the customer care assistant provided me with effective solutions.

    D
    Deepan Kaliranjan
    On: Jan 19, 2023

  • Best insurance companies listed

    The best part about InsuranceDekho is that I found a list of insurance companies based on their claim settlement ratio. I found some of the best insurance companies listed on InsuranceDekho’s website. The information on the website regarding the insurance gave me the confidence to choose and purchase Kotak’s e-term Plan from InsuranceDekho. I am very happy with my purchase.

    V
    Vishal Kumar
    On: Jan 18, 2023

  • Policy issuance is extremely easy.

    InsuranceDekho recommended the Kotak Term plan to me. I was concerned that I would not be able to obtain policy information or a soft copy of the policy documents on time. The insurance details were delivered to my email address minutes after I made the payment, and a soft copy of the policy documents followed shortly after. InsuranceDekho makes policy issuance simple. 

    K
    Komal Mehta
    On: Jan 09, 2023

  • Amazing benefits

    I purchased the Kotak - e term plan from InsuranceDekho a while ago. The plan included all of the features I was searching for. When I had to renew this plan I got a reminder from InsuranceDekho, which was quite helpful as I was able to renew my term plan on time. I am satisfied with my purchase and the services provided by InsuranceDekho. 

    M
    Manya Sabarwal
    On: Jan 04, 2023

  • 7 days availability

    I visited the InsuranceDekho website on a Sunday to buy the Kotak - e term plan from their website. They were available even on a Sunday to attend to my queries and problems. Loved their services. 

    Y
    Yukti Batra
    On: Dec 28, 2022

  • Amazing benefits

    I bought the  Kotak - e term plan from the InsuranceDekho website. The plan offered me all the benefits I was looking for. I am so happy that I finally got the plan of my choice. 

    V
    Vasu Mittal
    On: Jun 23, 2022

  • My policy was renewed in a very short period of time.

    A year ago, I purchased the Kotak Income Protection Plan through the InsuranceDekho website. I went back to their website to renew my plan. With the help of their personnel, the process took about 5 minutes. I'm quite pleased to see that I completed my work in such a short period of time. The service was excellent.

    P
    Pragati Verma
    On: May 06, 2022

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Kotak Term Insurance Contact Details

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Claim Process at Kotak Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.

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FAQs

  • What is the customer helpline number of Kotak Life Insurance?

    The toll-free customer helpline number of Kotak Life is - 1800 209 8800.

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

    Kotak Life featured an excellent claim settlement ratio of 96.38% for FY 2019-2020 as per the IRDA annual report.

  • What is the difference between term insurance and life insurance?

    A term insurance plan provides the sum assured to the nominees/beneficiary in case of an unfortunate event. Life insurance provides benefits at the maturity of the plan.

  • Can Non-Resident Indians (NRIs) purchase Kotak Life Term insurance plans?

    Yes, NRIs who have legal citizenship of India can purchase Kotak life term insurance plans.

  • Does Kotak Life Term insurance plans offer tax benefits?

    Kotak Life offers tax benefits under Section 80C and Section 10(10D) of The Income Tax Act, 1961.

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