Zurich Kotak Accident Care Plan - Buy Personal Accident Policy
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
🛡️ IRDAI Approved
4.4/5 · 2,689 reviews
🏥 22,600+ hospitals
📊 5.73 solvency ratio
96.4% claim settlement

Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.

Why Do We Recommend This?
  • Avail cataract treatments for covered members
  • Emergency domestic evacuation is available from the hospital you are availing treatment from to another hospital
  • Avail coverage for travel expenses of an immediate family member of the patient

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

A quick look at what this plan covers — and what it doesn't.

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.

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

Frequently Asked Questions

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.

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Rated by 2,684 customers

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