When you buy a plan for Kotak Health Care you get all your medical needs covered without having to pay a high premium. Kotak Health Insurance provides everything to the insured, ranging from compensation against medical expenses to free dental check-up. Features covered under the plan include expenses for pre- and post-hospitalization, daycare treatment, ambulance cover, cumulative bonus, and many others.Kotak Health Care comes to you in the form of three options; Excel, Premium and Prime.
|Base Sum Insured||2 lakhs, 3 lakhs, or 4 lakhs||5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, or 25 lakhs||10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs, 75 lakhs, or 100 lakhs|
|Basic Covers||Inpatient Hospitalization
Up to 60 days post hospitalization
Ambulance Cover up to `1500
|Up to 30 days pre hospitalization
150 named day-care procedures
Free Health Check-up
Pre-hospitalisation up to 30 days
Pre-hospitalisation up to 30 days
150 Named Day-care Surgeries & Procedures
Ambulance Cover of INR 1500
Free Health Check-up - for each Insured Person above 18 years of Age, each
Policy Year for the specified tests
Cumulative Bonus - 10% of the Sum Insured for each claim free year, upto a maximum of 50%"
|Optional Covers (Add-Ons)||Pack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses Pack 2: Critical Illness Cover + Double Sum Insured Pack 3: Cap on Room Rent||Pack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses Pack 2: Critical Illness Cover + Double Sum Insured||Option 1: Hospital Daily Cash
Option 2: Convalescence Benefit
Option 3: Donor Expense
Option 4: Critical Illness Cover
Option 5: Double Sum Insured
Option 6: Domiciliary Hospitalisation Cover
Option 7: Alternative Treatment
Option 8: Maternity Benefit: INR 50,000
Option 9: New Born Baby Cover
Option 10: Compassionate Visit: INR 10,000
Option 11: Restoration of Sum Insured
|Individual/Floater||Individual: Available for all Sum Insured
Floater: Available for 3 lakhs and 4 lakhs only
|Both Available||Both Available|
|Mandatory Medical Check-Ups||For Individuals > 45 years||10/ 15/ 20/ 25 lacs - Every individual member greater than 55 years 50/ 75/ 100 lacs – All ages|
|Waiting Period: Pre-Existing Disease||4 Years (for all age groups)|
|Policy Tenure||1, 2, & 3 years|
|Relationships Covered||Self, Spouse, Dependent Children, Dependent Parents|
|Tax Benefit||Under Sec. 80D of IT Act 1961|
|Free-Look Period||15 days from the date of receipt of the policy||One free health check-up for each insured person that is above 18 years of Age for the specified tests|
The pre-authorisation form is the form that is sent to the insurance company to avail of cashless service, after being duly filled by the insured and the attending doctor. This form is available at the insurance helpdesk/cashless counter in the hospital.
Network hospital refers to all such hospitals/nursing homes in which the cashless facility may be availed by the insured for treatment as provided herein. The list of network hospitals is subject to amendment from time to time and shall be available with the Company.
Yes, you are eligible to lodge he claim with us. Please note, the hospital/nursing home should meet the criteria as defined in the Policy. Your claims will be assessed on reimbursement basis subject to other terms and conditions of the Policy.
The health policy covers medical expenses incurred towards the ailment, subject to the condition that the ailment is admissible under the Policy. Following are the broad heads of expense:
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