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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 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
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 22,600+ hospitals
📊 5.73 solvency ratio
✅ 96.4% claim settlement
About Zurich Kotak Group Health Care Policy
A quick read on what this Zurich Kotak Health Insurance plan covers and why it might be a fit for you.
Kotak Group Health Care insurance plan is specially designed to cater to the healthcare needs of active group members of Kotak Mahindra Bank Limited. It also provides the same facilities to their dependents as per the requirements, given according to the specifications of policy documents.
The plan covers in-patient, pre and post-hospitalizations, daycare procedures, domiciliary treatment care, and other benefits. Additionally, the optional covers under this plan make it more versatile and offer coverage options beyond base covers.
Read further to know more about the Kotak Group Health Care plan and stay informed if you already are Kotak Mahindra Bank’s active member.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Specifications of Kotak Group Health Care Policy
- Read here are the coverage specifications of Kotak Group Health Care policy:-
| Specifications | What's the clause? |
| Base covers | |
| In-patient treatment | Up to SI |
| Daycare treatment | Up to SI |
| Pre-hospitalization medical expenses | 60 days |
| Post-hospitalization medical expenses | 90 days |
| Emergency ambulance | Upto INR 20,000 per event |
| Domiciliary hospitalization | Covered |
| Donor expenses | Covered |
| Optional covers | |
| Rom rent capping | Upto 1% of SI for normal rooms Upto 2% of SI for ICU rooms |
| AYUSH (alternative treatment) | Upto INR 1 Lakh |
| Wellness benefits | Health check-up & report evaluation (one annual health check-up) |
- Note: This table is taken from the official website of Kotak and it's not the full representation of coverage benefits. To more about the specifications, read thoroughly the policy wordings attached above.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under Kotak Group Health Care Policy are:
- Investigation & Evaluation
- Rest cure, rehabilitation and respite care
- Obesity/weight control
- Change-of-gender treatments
- Hazardous or adventure sports
- Breach of law
- Unproven treatments
- Sterility and infertility
- Excluded providers
- Cosmetic or plastic surgery
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
Other features & benefits
To Summarize
If you are an active user of Kotak Mahindra Bank Limited, this policy is an additional layer of protection for you. To know more details about Kotak Group Health Care, reach out to us at 1800 4200 269.
Zurich Kotak Group Health Care Policy: FAQs
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,
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