Remember, if you want to get the best policy of “ Health Insurance ” ( with the the lowest premium amount ) then, you can contact me at my mobile no.

KOTAK GENERAL INSURANCE ( FAMILY FLOATER - HEALTH INSURANCE POLICY )

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Increasing illnesses

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Illnesses and diseases are on the rise. Diabetes, hypertension, heart-related ailments, lifestyle conditions, etc. have become a common occurrence. These might require frequent medical attention. Alternatively, if the illness continues, it can become severe and require advanced treatments. A medical insurance plan is, thus, necessary to prevent against the financial implication of rising illnesses.

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Expensive costs

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Medical treatments and hospitalisation have become expensive. A small surgery can cost lakhs of rupees, and if the treatment is advanced, the medical bills might be financially draining. A medical insurance plan covers your medical expenses and allows access to quality healthcare. That is why it is a must.

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Tax benefits

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You can also receive tax benefits on the premiums paid for medical insurance plans. This advantage helps reduce your tax liability, allowing you to save money and protect your savings against medical emergencies.?

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Critical Illness Insurance - Kotak Secure Shield

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With Kotak Secure Shield, you can protect yourself and your family against the expenses that come with treating these illnesses, without having to compromise on the quality of healthcare.

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Kotak Health Super Top Up

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A top-up health insurance plan that provides high health insurance coverages at affordable rates.

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Personal Accident Insurance - Kotak Accident Care

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Personal accident policy is specially crafted to cover you and your family with a financial cushion against various events arising out of an accident.

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Features of our various?Health insurance plans by Kotak

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The comprehensive health insurance policy,?Kotak Health Premier?allows a range of inbuilt and optional coverage features for complete protection.

The salient features of the plan are as follows –

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Inbuilt coverage benefits include inpatient treatments, day-care treatments, pre and post hospitalisation expenses, domiciliary treatments, organ cover, ambulance charges, etc.

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Optional coverage benefits include hospital daily cash, convalescence benefit, home nursing benefit, compassionate visit, air ambulance cover, maternity cover, critical illness cover, personal accident cover, etc. as per the plan opted.

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10% cumulative bonus for every claim-free year. Moreover, the bonus does not reduce if you make a claim.

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100% restoration of the base Sum Insured if your existing Sum Insured and Cumulative Bonus is used up on a previous claim. The restored Sum Insured will be applicable for an unrelated illness and its complications.

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Get vaccination cover for the new born baby under the optional maternity benefit as per the Sum Insured opted.

Attractive premium discounts for adding family members on an individual basis, for choosing the multi-year tenure and for being an existing customer of Kotak Group.

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Attractive reward points for a healthy lifestyle.

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There are plan variants to suit your needs.

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In-patient treatment

A minimum of 24 hours of hospitalisation will be covered including room rent, ICU charges, operation theatre charges, doctor’s fees, etc.

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ay care treatment

Medical expenses which require less than 24 hours of hospitalisation will be covered. The complete list is available on our website www.kotakgeneral.com.

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Pre and post - hospitalization expenses

Pre and post-hospitalization expenses up to a specified number of days will be covered.

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Restoration benefit

There will be a 100% restoration of the Base Sum Insured and the Cumulative bonus.

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Cumulative bonus

A cumulative bonus can be earned up to 100% of the Sum Insured as per the plan without any reduction in case of a claim,

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Annual health check-up

The policy includes one health check-up for each Insured person above 18 years regardless of any claim in the policy.

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Key benefits

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In-patient Treatment

Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered

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Day Care Treatment

Medical expenses incurred for listed 405 day care procedures will be covered which require less than 24 hours hospitalization.

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Pre and Post-Hospitalization Medical Expenses

Pre & post hospitalization medical expenses upto specified number of days prior to and after discharge based on the plan opted will be covered.

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Restoration Benefit

There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims. In case of accident related claims, restoration will be applicable from first claim onwards. This restored amount can be used for all future claims not related to the same illness for which a claim has been for the same Insured Person.

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Cumulative Bonus

Cumulative Bonus can be earned upto 50%/ 100% of the sum insured as per plan opted in case of a claim free year at 10% per year. There will be no reduction in Cumulative Bonus in case of a claim.

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Annual Health Check-up

The policy includes one health check-up for each Insured Person above 18 years of age for specified tests at no additional cost. Availing the health check-up will not impact the Base Sum Insured or the Cumulative Bonus. This will be offered regardless of any claim in the Policy.

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Second E-Opinion Cover

Policy will facilitate to avail of Second E-Opinion on medical condition occurring during policy period. The opinion can be availed multiple times during the policy period

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Ambulance Cover

Policy will cover ambulance expenses for transportation to the hospital in case of an emergency.

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Organ Donor Cover

In-patient hospitalization expenses of the donor in case of an organ transplant will be covered.

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Alternative Treatment

Policy covers in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems.

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Domiciliary Hospitalization

Policy covers medical expenses for treatment taken at home on the advice of the medical practitioner

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Other Covers

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The policy comes with a host of other covers which are in built or available as an optional cover (on payment of additional premium) depending on the plan chosen.

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Hospital Daily cash: It will pay a specified daily cash amount from day one in case the hospitalisation extends for at least 3 consecutive days.

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Convalescence Benefit: This benefit pays a lumpsum specified amount in case the hospitalisation exceeds for a minimum period of 10 consecutive days.

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Home Nursing Benefit: This cover pays for the services of a qualified nurse at the residence of the insured after discharge from hospital.

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Daily Cash for Accompanying an Insured Child: It will pay a specified daily cash amount from day one in case the hospitalization of an Insured child extends for at least 3 consecutive days.

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Compassionate Visit: This benefit pays for the cost of return journey of Insured’s immediate relative from place of residence to hospital.

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Air Ambulance Cover: It will cover expenses for ambulance transportation in an airplane or helicopter for emergency life threatening situations.

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Maternity Covers ?(All the below 3 covers need to be taken together)

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·???????? Maternity Benefit:?It covers medical expenses for the delivery of insured’s child or lawful termination of pregnancy. Cover is available for 2 deliveries across all policy years. Pre and post-natal expenses are covered.

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·???????? New Born Baby Cover: It covers medical expenses incurred on the insured’s new born baby.

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·???????? Vaccination Expenses: It will cover the vaccination expenses incurred on the new born baby. The expenses will be covered from the birth till the baby completes 2 years

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Optional Covers

Advantage Plan :

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·???????? Home Nursing Benefit

·???????? Daily Cash for Accompanying an Insured Child

·???????? Compassionate Visit

·???????? Critical Illness Cover (Available for Age 18 years and above)

·???????? Personal Accident Cover

·???????? Cap on Room Rent

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Edge and Elite Plans :

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·???????? Compassionate Visit

·???????? Maternity Benefit* (with 3 year waiting period)

·???????? New Born Baby Cover* ( with 3 year waiting period)

·???????? Vaccination Expenses* ( with 3 year waiting period)

·???????? Air Ambulance Cover

·???????? Critical Illness Cover (Available for Age 18 years and above)

·???????? Personal Accident Cover

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A List of Kotak Medical Insurance Plans

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Whether you are looking for group health insurance plans individual plans or senior citizen plans, you can find most of them on?Kotak Mahindra Health Insurance?website. In the section below, we have discussed some of the popular plans that Kotak Mahindra offers:

·???????? Kotak Health Premier Edge:?The Kotak Health Premier Edge plan provides a comprehensive solution to your health insurance needs. This plan provides the option to choose from the sum insured of Rs. 5, 7.5, 10, 15, and 20 Lakhs. The Kotak Health Premier Edge plan provides coverage for domiciliary treatment, daycare procedures, AYUSH treatment, and a lot more up to the sum insured opted by the policyholder.

·???????? Note - Domiciliary hospitalisation cover refers to the?medical treatment provided to a patient in their home, which otherwise would have been provided in a hospital. This type of cover aims to provide financial protection to patients who are unable to get admitted to a hospital or prefer to receive medical care at home.

·???????? Kotak Health Premier Elite:?Another variant of the Kotak Health Premier plan is the Elite which offers extensive coverage to policyholders of all ages. This plan lets the policyholder choose the?sum insured?from Rs. 10, 15, 20, and 25 Lakhs. The Elite variant also provides restoration benefits of up to 100% which means that if the sum insured gets exhausted after you have raised a health insurance claim, then in such a case it will get restored with this benefit.

·???????? Kotak Health Premier Absolute:?The Kotak Health Premier Absolute plan is another?health insurance?that is available with a higher sum insured. This plan provides a sum insured up to Rs. 2 crores and has a minimum sum insured of Rs. 25 lakhs. To buy the Kotak Health Premier Absolute plan, the minimum entry age for children and adults is 91 days and 18 years respectively, while the maximum entry age is 18 years and 65 years. This policy can be bought for a policy term of 1, 2, or 3 years and can be renewed for lifelong.

·???????? Kotak Health Super Top-up:?As the name suggests, this is a?top-up plan?that provides health insurance coverage at affordable premiums. This plan provides coverage once the base sum insured gets exhausted, however, even if you don’t have a base health insurance plan with Kotak, you can still buy this plan. Some of the plan benefits include pre and post hospitalisation expenses, in-patient treatment, ambulance cover, daycare expenses, alternative treatment expenses, organ donor expenses, and a lot more.

FAQs

Q. What are some of the best health insurance plans that I can buy with Kotak?

A.?Some of the best health insurance plans that Kotak health insurance is Kotak Health Premier Edge, Kotak Health Premier Elite, Kotak Health Premier Absolute, and more.

Q. What is the claim settlement ratio of Kotak health insurance?

A.?The?claim settlement ratio?of Kotak health insurance is 97%.

Q. How many network hospitals are tied-up with Kotak health insurance?

A.?Kotak Health Insurance has tie-ups with over 7,200?network hospitals.

Why Should You Buy Kotak Mahindra Health Insurance Plans ?

Take a look at the benefits of buying a Kotak Mahindra health insurance plan:

·???????? Annual Health Check-up –?Policyholders can also avail free health check-up facilities every year under some plans, such as Kotak Health Premier and Kotak Health Care.

·???????? 24x7 Customer Assistance –?The Kotak Mahindra General Insurance Company is equipped with an efficient customer care team, which is available round the clock to assist all the customers.

·???????? Fast & Hassle-free Claim Process –?The insurance company comes with a super-fast claim process, which provides a hassle-free experience to the customers

·???????? Tax Benefits –?The Kotak Mahindra health insurance premium can be claimed for tax deductions under section 80D of the Income Tax Act.

How to File a Claim with a Kotak Mahindra Health Insurance Plan ?

Here is a step-by-step procedure to file a Kotak Mahindra health insurance claim:

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Go to the Cashless Helpdesk

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Visit the cashless helpdesk of your network hospital at least 48 hours in advance of your planned hospitalization. In case of an emergency, notify the helpdesk within 24 hours of getting hospitalized.

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Fill up and Submit the Pre-Authorization Form

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Fill up the pre-authorization form available at the helpdesk and submit it along with a valid photo id proof and medical documents.

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Application Review

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Kotak Mahindra General Insurance Company will review your cashless treatment application and will approve it as per your policy terms & conditions

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Payment of Claim

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Once your treatment is complete, the insurer will pay the entire bill to the network hospital directly.

Documents Required for Kotak Mahindra Health Insurance Claim

Check out the list of documents required to raise a cashless claim with Kotak Mahindra health insurance:

·???????? Duly filled Kotak Mahindra health insurance claim form

·???????? Treatment papers, specifying the first symptoms and date of disease occurrence

·???????? Hospital discharge card

·???????? Original bill for medical investigations supported by prescriptions

·???????? Original medical investigation reports

·???????? Original hospital bills and payment receipts

·???????? Original medicine bills supported by prescriptions

·???????? Cancelled cheque of the policyholder

·???????? Photo id of the policyholder for KYC

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A?health insurance policy?covers most medical expenses, such as :

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o??? Diagnostic tests

o??? Doctor’s consultation charges

o??? Hospital bills

o??? Medicine prices, chemotherapy costs

o??? Ambulance charges

o??? Pre and post hospitalization

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If the hospital is listed under the insurance company’s network, the insurer will directly settle the bills with your hospital. You need not bear any expense.??

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A VERY ESPECIAL NOTE : REGARDING “ KOTAK GENERAL HEALTH INSURANCE POLICY ” : YOU WILL GET THE FULL RESTORATION BENEFIT FOR ANY CLAIM, WHICH MAY NOT EXAUST YOUR FULL SUM ASSURED. THIS BENEFIT YOU MAY NOT GET UNDER “ OTHER HEALTH INSURANCE COMPANY POLICIES ”

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100% restoration of the base Sum Insured if your existing Sum Insured and Cumulative Bonus is used up on a previous claim. The restored Sum Insured will be applicable for an unrelated illness and its complications.

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There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims. In case of accident related claims, restoration will be applicable from first claim onwards. This restored amount can be used for all future claims not related to the same illness for which a claim has been for the same Insured Person.

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·???????? The Elite variant also provides restoration benefits of up to 100% which means that if the sum insured gets exhausted after you have raised a health insurance claim, then in such a case it will get restored with this benefit.

NO SUBLIMIT & NO CAPPING :

You can avail any Bed in order to admit the patient ( including yourself, if you are insured ) & there are no “ SUB-LIMITS ” for any treatments i.e you will get “ One Hundred Percent Cashless Benefits ” for any types of? Treatment & this benefit you may not get under “ Other Health Insurance Company Policies ”

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In order to do any types of? “ Kotak Health insurance policy ” for you or any of? your family members ”, kindly contact me, at my mobile no. i.e “ 9674458740 ” .

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Krishna Kumar Chaturvedi

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