Zurich Kotak Group Accident Protect Plan - Explore Benefits and Coverage
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Zurich Kotak Group Accident Protect Plan

The Zurich Kotak Group Accident Care Plan offers accidental protection ...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 Group Accident Protect Plan

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

It's insurance against adversities caused due to accidents.

The Union Minister of Road Transport and Highways, Nitin Gadkari, revealed that over 4.8 Lakh road accidents occurred on India's roads in 2024, resulting in 1.72 lakh fatalities. Furthermore, crashes increased by 4.2%, and fatalities increased by 2.6% compared to previous years.

Given the situation, these cases do not show any shortfall. So, it is better to buy accidental coverage insurance now than later. Zurich Kotak Group Accident Protect insurance is a health insurance plan that offers coverage for accidental death, temporary partial and total disability, children's educational grants, inpatient hospitalization caused by accidents, and more.

This page discusses all the coverage benefits related to the Zurich Kotak Group Accident Protect plan. Read on to learn more.

Plan at a glance

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

Entry age
5 years to 65 Years
Plan type
Individual
Sum insured options
₹25 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

  • Accident Cover
  • Accidental Death
  • Disability Cover

Cons

  • Adventure Sports
  • Illegal activities
  • Obesity Treatments

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 Not 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 Applicable
  • Sub-limits Applicable
  • Compassionate travel Covered
  • Global coverage Not covered

Specifications of Zurich Kotak Group Accident Protect Plan

Specifications Zurich Kotak Group Accident Protect Plan
Accidental Death In case of the insured’s death due to an accident, the insurer will pay out the specified sum insured amount to their nominee or dependants if the claim is made within 12 months of the accident.
Permanent Total Disablement (PTD) Suppose, the insured has met with an accident that caused him a permanent total disability, the company will compensate for the loss upto a specified limit, given the claim is raised within 12 months from the date of the accident.
Permanent Partial Disablement (PPD) In such scenarios of permanent partial disability, there will be a payout for the loss if the insured claims within 12 months of the accident. The maximum sum insured payable is not more than 100% of the specified conditions.
In-patient accidental hospitalization Any illness or injury caused due to an accidental event will be covered for its treatment expenses or medical hospitalization care specified as per week expenses (should not exceed 100 weeks in the policy term).
Modification of residence/vehicle In case the insured person needs any modification in his residence or vehicle after a permanent disability, the policy covers lifestyle changes.
Children education grant The insurer covers education or course fee expenses related to the insured’s dependent children. The maximum payout for an educational grant will be upto 100% of the sum insured (the maximum age specified as 25 years for dependent children).

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions that are not included under the Kotak Group Accident Protect Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min Age: 5 Years
  • Max Age: 65 Years
  • Sum Insured: 25 L
  • Initial Waiting Period: NA

Other features & benefits

Connecting The Dots

A mishap like death/disability caused due to an unfortunate accident is not easy to handle for a family. It not only impacts the future of the individual suffering from the event but their family suffers too. Isn’t it better to be prepared? Of course, having an accidental insurance plan like Zurich Kotak Group Accident Protect policy offers extended coverage benefits related to accidents. For more information about the policy, reach out to our health insurance experts at PolicyX.com at 1800 4200 269 or click on Get a Quote to get your queries resolved.

Zurich Kotak Group Accident Protect: FAQs

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

Yes. Also, coverage benefits will be given to the insured in case of PTD and PPD.
Yes, it’ll provide the educational/course fee of your child (upto 1 L) when you’re not around or not able to manage it after an accidental event.
It’s an accidental insurance that offers coverage for accidental death or disablement etc.

Conclusion

A comprehensive accident insurance plan designed to provide financial security against accidental de

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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: 27 Jan 2025 · Originally published: 27 Jan 2025

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