Kotak Health Premier Insurance Wordings

Yes, Kotak Health Premier Plan does have co-payment feature, which is applied and classified as per the zones. Zones are categorised in three types, such as:

Zone I: Mumbai (including Thane and Navi Mumbai) and Delhi (including NCR areas)
Zone II: Kolkata, Hyderabad, Chennai, Pune, Bangalore and Gujarat
Zone III: Rest of India, excluding the locations mentioned under Zone I & Zone II 

The customer might have to undergo some medical screening or tests based on the underwriting guidelines, which are issued by the insurance providing firm from time-to-time. The medical tests are facilitated by the insurance company only and are conducted at its network hospitals or diagnostic centres. The validity of these tests is up to 30 days. The charges of the medical test and the centre, at which such tests are conducted, are conveyed to the policyholders before the medical examination.  

The policy provides one free health check-up in each policy year at its network hospital for each and every insured individual above the age of 18 years. Availing these health check-ups will not impact the base sum insured or the cumulative bonus. This will be offered regardless of any claim under the policy.

Yes, the policy offers the coverage for medical costs incurred during delivery or lawful termination of pregnancy. The cover is available for 2 deliveries across all policy years. However, pre and post-natal costs are also covered under the benefit. Besides, the plan covers medical expenses of newborn baby as well.  

Yes, policyholders are eligible to get a tax exemption on the premium amount as per Section 80D of the Income Tax Act. With this feature, they can avail tax benefit up to Rs. 25,000 for people below 60 years & Rs. 30,000 for senior citizens.