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Zurich Kotak Health Insurance Zurich Kotak Health Insurance ★ 4.4

Zurich Kotak Group Health Care Policy

This plan is specially designed for the active customers of Kotak Mahi ...Read More

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

This plan is specially designed for the active customers of Kotak Mahindra Bank Limited to cover basic healthcare needs.

Why do we recommend this?
  • Emergency ambulance cover
  • Domiciliary hospitalization
  • Obesity treatment unavailable

Plan at a glance

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

Entry age
18-55 years
Plan type
Group Health Insurance
Sum insured options
₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Every Year
Policy term
1 Year

*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

  • Domiciliary hospitalization
  • Daycare procedures
  • Donor expenses
  • In-patient treatment care

Cons

  • Obesity treatment unavailable
  • Breach of law
  • Cosmetic surgery
  • Maternity not covered

What's covered

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

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment 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 Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: - 18 -55 Years
  • SI: - 3/4/5 Lakhs
  • Plan type- Individual
  • Waiting Period: - 30 days

Frequently Asked Questions

The 4 most-asked questions about Zurich Kotak Group Health Care Policy, answered.

Only active users of Kotak Mahindra Bank Limited can buy this policy.
The sum insured options range from INR 3 Lakhs, 4 Lakhs, to 5 Lakhs.
No, this policy is specially designed for an active user of Kotak Mahindra Bank Limited.
Yes, you can opt out of an optional cover from these: room rent capping, alternative benefits (AYUSH), and wellness benefits.

Conclusion

A basic group health insurance plan providing essential hospitalization coverage, ambulance support,

Explore Zurich Kotak Health Insurance

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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: 19 May 2026 · Originally published: 31 Jan 2025

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