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Zurich Kotak Group Accident Protect Plan
- Accident Cover
- Accidental Death
- Disability Cover
Zurich Kotak Health Insurance
Zurich Kotak Health Insurance
Zurich Kotak General Insurance offers health insurance plans for individuals and families, covering hospitalization, ...Read More
22,600+
Cashless hospitals
96.4%
Claim settlement
25 L
Max sum insured
4
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 22,600+ hospitals
📊 5.73x solvency ratio
✅ 96.4% claim settlement
What you get with Zurich Kotak Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 25 L
Coverage scales from entry-level individual plans to high-end family-floater protection.
22,600+ cashless hospitals
Direct billing at network hospitals across 19 presence — no out-of-pocket payment at admission.
96.4% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
5.73x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
4 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
Choose Zurich Kotak Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Zurich Kotak Health Insurance Review 2025 | Benefits, Premium & Claim Process Explained
Looking for a comprehensive health insurance plan that fits your needs and budget? In this video, we review the Zurich Kotak Health Insurance Plan in detail, helping you understand its key features, benefits, premium details, and claim process.
All 4 Zurich Kotak Health Insurance plans
Every plan currently being sold by Zurich Kotak Health Insurance, shown side-by-side so you can shortlist quickly.
Zurich Kotak Health Premier Plan
- In-patient treatment
- daycare treatment
- ambulance cover
- restoration benefit
Zurich Kotak Accident Care Plan
- Children education grant
- Dead remains transportation
- Convalescence benefit
- Accident daily cash benefit
Zurich Kotak Group Health Care Policy
- Domiciliary hospitalization
- Daycare procedures
- Donor expenses
- In-patient treatment care
Quick comparison
Side-by-side across the 3 most-bought Zurich Kotak Health Insurance plans on PolicyX.
| Feature | Zurich Kotak Group Accident Protect Plan | Zurich Kotak Health Premier Plan | Zurich Kotak Accident Care Plan |
|---|---|---|---|
| Plan type | Individual | Individual and Family Health Insurance | Individual |
| Sum insured | 25 L | 2 L, 5 L, 10 L, 15 L, 25 L, 50 … | 5L |
| Entry age | 5 years to 65 Years | Minimum 91 days, Maximum 25 years | Minimum 5 years, Maximum 65 years |
| Top benefits | Accident Cover · Accidental Death | In-patient treatment · daycare treatment | Children education grant · Dead remains transportation |
22,600+ cashless hospitals
Find a Zurich Kotak Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Frequently asked questions
The 14 most-asked questions about Zurich Kotak Health Insurance, answered.
Yes, as per the IRDAI guidelines, a policyholder has the option to return the original policy within 15 days from the date of receipt of the policy.
Customers can renew their policy online from the company’s website. Process for the same is given below: Visit the official website of Kotak General Insurance Company. Click on the ’Renewal’ tab given at the top right of the page. Enter your login details to continue. Select your plan and fill in the required details. Make an online payment of the premium amount. Renewal confirmation information will be sent to the customer’s email ID. Alternatively, customers can also place a free cheque pick-up request by calling the company’s toll-free number: +1800 266 4545.
In the reimbursement claim method, Kotak General Insurance processes the claim within 15 working days from the receipt of complete documents. And in case of cashless claims, the company conveys its decision on the cashless mode within 6 business hours from the receipt of complete details.
Yes, the plan offers maternity cover, provided all the below 3 covers are taken together. Maternity Benefit New Born Baby Cover Vaccination Expenses
Yes, medical as well as treatment expenses during the quarantine period towards COVID-19, are covered under the policy. Customers should submit prescriptions from Govt. doctor certifying the need to be quarantined along with a Medical test report for COVID-19. Please note that no coverage is provided on account of self-quarantine or quarantine at home.
Yes, the company offers a separate channel for addressing claims and grievances of senior citizens. One can drop their concerns at: [email protected]
Yes. Premiums paid for Kotak Medical Insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act 1961.
Yes, one can customize their Kotak Health Insurance plans by paying additional premiums and opting for health insurance riders.
To check the claim status of your Kotak Mediclaim follow the below steps: Login on the official website of Family Health Plan Insurance TPA Limited Click on Logins on the home page. Click on Individual/ Retailers Login using your: Username: Your UHID is your username, Password: Your date of birth (in DD/MM/YYYY format) is your password.
In such a case, the company will pay the amount as per your chosen coverage, and the rest of the outstanding amount needs to be paid by you.
The duly filled claim form along with the documents should be submitted as soon as possible, but no later than 30 days from the date of discharge.
To register your grievances, you need to fill up a feedback form which is available on the official website of Kotak Mahindra Health Insurance. Once done, the company’s grievance redressal team will assist you.
Do not worry. To make a change in your Kotak Mahindra Health Insurance policy, get in touch with the customer care team at 1800 266 4545 (toll-free) to correct the date.
Below is a list of a few general exclusions applicable under Kotak Health Insurance plans. To get more details about plan-specific exclusions, refer to the policy document. Any injury due to war, invasion, an act of a foreign enemy, hostilities, etc. Usage, consumption, or abuse of drugs or alcohol. Self-destruction or self-inflicted injury. Sexually transmitted disease.
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Customer satisfaction
Aggregate ratings from 2,689 verified PolicyX customers who bought a Zurich Kotak Health Insurance plan.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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