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Zurich Kotak Group Accident Protect Plan
It's insurance against adversities caused due to accidents. The Union Minister of Road Transport and Highways, Nitin Gadkari, revealed that…
- 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.
About Zurich Kotak Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Zurich Kotak Health Insurance Company
Zurich Kotak General Insurance is a 70:30 joint venture between Zurich Insurance Group and Kotak Mahindra Bank. The Company got its new name ‘’Zurich Kotak General Insurance Company (India) Limited’’ in August 2024, following Zurich Insurance Group’s 70% acquisition of Kotak Mahindra General Insurance Company Limited.
What does the Zurich Kotak Health Insurance Company do?
Zurich Kotak Health Insurance Company offers a comprehensive range of health insurance plans. These plans fulfill the needs of different sections of society with specialized curated products. You can choose the best Zurich Kotak Health Insurance for yourself and your family.
What are some of the
Features
that set them apart?
-
1
Zurich Kotak Mahindra is a big brand in the banking and insurance sector.
-
2
It was first established in 1985.
-
3
Emergency air ambulance services
-
4
They collected Rs 742 Cr. in annual premiums.
-
5
Kotak Mahindra Health Insurance is a 100% subsidiary of Kotak Mahindra Bank.
-
6
They are located in 19 areas of India and have 25 branches.
Zurich Kotak health insurance awards and accolades
- Marketer company of the year by India Insurance Summit & Awards 2020.
- ANA ECHO International Awards 2020, USA - Bronze, Consumer Services.
- Brand Equity Shark Awards 2019 - Silver, best consumer insights campaign.
- India Digital Media Awards 2019 - Silver, a Special award for gender parity.
- 2 Silvers in the 'Best Consumer Engagement & Best in Financial Service' category by DMAi ASIA ECHO AWARDS in 2019.
- 3 Bronze in 'Best Use of Social Media, Innovative Use of Technology & best in Consumer Services' category by DMAi ASIA ECHO AWARDS in 2019.
Why Choose Zurich Kotak Health Insurance?
Factors to Consider While Buying A Health Insurance Policy
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let us check out some of the vital factors that you should consider before buying a health insurance policy:
Individual or Family Floater Plan
When choosing a plan your first step is to check whether your requirement is for yourself or your family. Most of the time family floater plans benefit those who want to secure their family as it is cheaper than the individual one.
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. Also, it is necessary to choose a policy that offers maximum coverage amount for your health claims.
Co-Payment Clause
Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
Hospital Network
Always check the list of hospitals included in your policy. Remember the kinds of medical facilities and services you might need in the future.
Waiting Period
Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
Lifetime Renewal
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.
Why Choose Online Procedure to Buy Health Insurance Policy?
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:
Easy to Compare
Online platforms give access to compare different health plans at the same place. You can pick the right one for you while comparing the premiums.
Buying Insurance within 5 minutes
On an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
24*7 Customer Service
The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
Instant Quote
With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.
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
Zurich Kotak Health Premier is a versatile option when it comes to ensuring the health and wellness of yourself and your loved ones. Zurich…
- In-patient treatment
- daycare treatment
- ambulance cover
- restoration benefit
Zurich Kotak Accident Care Plan
Out of 1.35 million deaths happening in road crashes, almost 93% of the accidental deaths occur in averagely developed countries like India…
- Children education grant
- Dead remains transportation
- Convalescence benefit
- Accident daily cash benefit
Zurich Kotak Group Health Care Policy
Kotak Group Health Care insurance plan is specially designed to cater to the healthcare needs of active group members of Kotak Mahindra Ban…
- 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 |
What's covered — and what's not
The standard inclusions and exclusions across Zurich Kotak Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Zurich Kotak Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
- The policy allows you to get traditional treatments such as AYUSH Treatment Ayurveda, Yunani, Homeopathic, and much more.
- The policy allows you to get a daily cash allowance up to the sum insured. This makes sure that you can pay easily for your daily expenses.
- The health insurance policy by Zurich Kotak Health Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
- When someone is not well and gets hospitalized, their immediate relatives (visitors) go to and fro from hospital to home. So this policy will cover the expenses incurred during this phase for the visitors.
✗ Exclusions
- Insurance policies do not cover self-inflicted injuries or suicide.
- Recreational surgeries will not be covered in the health insurance policy. Plastic surgery coverage will be included only in the case of an accident.
- Injuries caused by any kind of sports will not be included.
- Zurich Kotak Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Zurich Kotak health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
22,600+ cashless hospitals
Find a Zurich Kotak Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Zurich Kotak Health insurance online follow the simple steps below:
- Step 1
Visit the website of Zurich Kotak General Insurance.
- Step 2
Click on the 'Health Insurance' icon. Enter your details and submit the form.
- Step 3
Select your preferred plan and customize it. Check the premium details.
- Step 4
Make an online payment of the premium amount. Once the payment is done, the policy details will be mailed to your registered email address.
To avail of the benefits consistently, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
- Step 1
When you visit the official website of Zurich Kotak Mahindra Health Insurance, click on the “Renew existing Policy” box. It will redirect you to the main page, where you need to fill in the policy number and captcha.
- Step 2
Review the policy, fill in the details, choose the mode of payment and complete the payment.
- Step 3
Once the payment is made, your policy will be renewed instantly.
Connect with our insurance experts for Kotak health insurance policy renewal at 1800 - 4200 - 269.
To port your existing policy to Zurich Kotak Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Zurich Kotak Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Compare and calculate the best Zurich Kotak health insurance policies with the PolicyX premium calculator with these simple steps:
- Step 1
Visit the official website of 'PolicyX'
- Step 2
Fill in details such as name, number of family members to be covered, city, and other information
- Step 3
Click on 'Get Quotes'
P.S - Connect with PolicyX health insurance experts for Kotak health insurance policy premiums enquiry at 1800-4200-269
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: seniorcitizen@kotak.com
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.
Health Insurance Premium Calculator
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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