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Zurich Kotak Health Insurance Zurich Kotak Health Insurance ★ 4.4

Zurich Kotak Accident Care Plan

Comprehensive health insurance covers road traffic accidents and assis ...Read More

Up to 25 L
Sum insured
1
No. of plans
19+
Pan India presence
96.4%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 22,600+ hospitals
📊 5.73 solvency ratio
✅ 96.4% claim settlement

About Zurich Kotak Accident Care Plan

A quick read on what this Zurich Kotak Health Insurance plan covers and why it might be a fit for you.

Out of 1.35 million deaths happening in road crashes, almost 93% of the accidental deaths occur in averagely developed countries like India. We're not claiming this verdict, it's quoted in a recent news post on the 15th of May 2024 of the World Economic Forum. If you want to prevent such an event, own a shield from the Zurich Kotak Accident Care plan that covers all expenses arising from treatment/hospitalization due to an accident. The plan's basic features are categorized into two sections- A & B which you'll learn further on this page.

In addition, the insurer will pay for your accidental death, PTD, PPD, and TTD up to the sum insured. Not only this, the insurer also compensates for the reparations caused due to the accident aiming to help you support a regular lifestyle and focus on your speedy recovery. If the policyholder is incapacitated to earn their regular income (loss of income), after TTD, the company will compensate them weekly for up to a maximum of 100 weeks.

Additionally, the Zurich Kotak Accident Care policy ensures your children's further education (optional cover) by giving them aid till they turn 25 years of age. Remember, all the benefits under Sections A & B shall be delivered up to a specified limit mentioned in your policy's documents. It also pays out to their family for funeral expenses, ambulance charges, transportation of the insured's dead body to their native residence, and so on. This is not yet done! Zurich Kotak Accident Care insurance has many more benefits to offer, read on to know what more one can expect from this insurance product.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum 5 years, Maximum 65 years
Plan type
Individual
Sum insured options
₹5 L
Waiting period
NA
Renewability
NA
Policy term
1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Children education grant
  • Dead remains transportation
  • Convalescence benefit
  • Accident daily cash benefit

Cons

  • Room rent charges
  • Pre and post-hospitalization
  • Mental disorders
  • Self-inflicted injury

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Ultimate Review Of Kotak Accident Care Plan 2024

Ultimate Review Of Kotak Accident Care Plan 2024

In this video you will get to know about policys coverage for accidental death, permanent total disability, and other injuries resulting from accidents. Additionally, we will explore the claim process, premium rates, and any additional riders or benefits available with this plan.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Note 1: The policy proposer can opt for any of the sections from 1 & 2. Opting at least one Section is mandatory.
  • Note 2: The payouts with either of the sections will be covered upto the highest opted sum insured. Once the compensation/payout is credited to the insured’s account, the policy will be terminated simultaneously.

Exclusions

  • Death, accident, or injury caused due to intentional self-injury, suicide/attempted suicide
  • Alcoholism or drug abuse
  • Warfare/war-like activities
  • Mental, nervous or emotional disorder
  • Breach of law or unlawful activity
  • Vaccination
  • Change of gender treatments
  • Beauty treatment, dental treatment, eye treatment, plastic surgery (except caused due to an accidental injury)
  • Adventure and risky sport or any other hazardous sports
  • Contamination/issues caused by nuclear fuel, nuclear waste, nuclear weapon materials
  • For a complete list of exclusions, please read the policy wordings attached above thoroughly
  • Zurich Kotak Accident Care policy is the additional layer of protection for you and your family in times of distress. No wonder, life is so unpredictable and we never know how deep the scars of an accident can be to wreak havoc on your family.
  • So, better today than later. Safeguard and prepare your loved ones before it’s too late. To know more about the Kotak Accident Care plan, reach out to us at 1800 4200 269.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 5 to 65 years
  • Sum Insured: NA
  • Policy term: 1/2/3 years
  • Waiting period: NA

Other features & benefits

  • Ambulance charges
  • Accidental death
  • TTD PTD PPD cover

Zurich Kotak Accident Care: FAQs

The 3 most-asked questions about Zurich Kotak Accident Care Plan, answered.

This policy provides INR 10,000 for upto 10 consecutive days as convalescence benefit on hospitalization.
Yes, there’s a lifelong renewability available with this plan.
It covers accidental death, PTD, PPD, TTD, daily hospital cash benefits, convalescence benefits, and children’s education grants.

Conclusion

Flexible personal accident insurance plan offering financial protection against accidental death, di

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 5 Jul 2024 · Originally published: 15 Oct 2024

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