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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 Health Premier Plan
Zurich Kotak Health Premiere Plan is a comprehensive health insurance ...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 Health Premier Plan
A quick read on what this Zurich Kotak Health Insurance plan covers and why it might be a fit for you.
Zurich Kotak Health Premier is a versatile option when it comes to ensuring the health and wellness of yourself and your loved ones. Zurich Kotak Health Premier is a plan that allows policyholders to undergo medical treatments without stressing about breaking the bank. Zurich Kotak Health Premier is a comprehensive health insurance policy that comes with protection plus rewards and value-added benefits to help you stay fit.
Zurich Kotak Health Premier can be purchased as an individual or family floater pIan .
The plan's coverage plan includes in-patient treatment, daycare treatment, ambulance cover, restoration benefit, maternity benefit, cumulative bonus, and so on.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum 91 days, Maximum 25 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹5 L, ₹10 L, ₹15 L, ₹25 L, ₹50 L, ₹1 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
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
- In-patient treatment
- daycare treatment
- ambulance cover
- restoration benefit
Cons
- Global coverage
- modern treatment
- IVF cover
- Adventure sports
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 Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Covered
- Global coverage Not covered
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under Zurich Kotak Health Premier Plan are:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- Miscarriage, and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Coverage after Waiting Period
- Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
- Pre-existing diseases after 48/36/24 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 18 years (min) - 65 years (max)
- SI: 2 Lakh to 2 Crore
- Initial waiting period: 30 days
- Policy period: 1/2/3 years
Other features & benefits
- maternity benefit
- cumulative bonus
- compassionate travel
- vaccination
Zurich Kotak Health Premier Plan: FAQs
The 10 most-asked questions about Zurich Kotak Health Premier Plan, answered.
The eligibility age for an insured individual is 18 years to 65 years for adults and 91 days to 25 years for a dependent child.
Kotak Health Premier comes in multiple variants that offer multiple sum insured options like Standard, Advantage, Edge, Elite, and Absolute variants.
The Kotak Health Premier Plan offers coverage to different relations such as Self, Spouse, Natural or Adopted Dependent Children, Dependent Parents, Parents in Laws, and Siblings.
Yes, Kotak Health Premier offers multiple discounts to policyholders. Avail long-term discounts of 2.5% and 5% for 2 and 3-year policies respectively Family discount of up to 5% for 2 or more than 2 eligible family members.
Yes, Kotak Health Premier has certain co-payments: If treatment is applicable in zone 2 and is taken in zone 1 - 10% co-payment If treatment is applicable in zone 3 and is taken in zone 1 - 20% co-payment If treatment is applicable in zone 3 and is taken in zone 2 - 10% co-payment.
Yes, Kotak Health Premier offers maternity cover as well as vaccination and newborn baby cover.
Yes, The policy includes one health check-up for each insured person above 18 years of age for specified tests at no additional cost.
Yes, policyholders have to undergo certain medical tests that will be facilitated by and conducted at a listed network of diagnostic centers. The validity of such tests will be up to 30 days. Kotak Health Premier will reimburse 50% of the cost of such pre-insurance medical tests.
The policy comes with a host of other covers which are inbuilt or available as optional covers such as daily hospital cash, convalescence benefit, nursing benefit, compassionate visit, air ambulance, and more.
Yes, Kotak Health Premier does offer reward points for taking care of your health/ fitness through regular preventative and fitness habits. These earned points can be redeemed by the redemption terms and conditions.
Conclusion
Comprehensive health insurance plan offering strong hospitalization coverage, wellness rewards, mate
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