Kotak General Secure Shield Insurance

Kotak General Secure Shield Insurance

Buy Kotak General Secure Shield Insurance plan

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In today's stressful world, critical illnesses are becoming more and more common. 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.

Kotak General Health Insurance Review

Kotak General Health Care Insurance
Kotak General Insurance sum insured
2 lac - 25 lacs
Incurred Claims Ratio *
47.00%
Kotak General Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
100.00%
List of network hospitals
3900+ hospitals
Number of policies issued *
349,931
Maximum family floater coverage
Self, Spouse + dependent children + parents
Number of lives covered *
4,39,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Kotak General Secure Shield Insurance benefits

  • Eligibility
  • Key Benefits
  • Critical Illness
  • Coverages
  • Exclusions

Eligibility Criteria of Kotak General Secure Shield Insurance

  • Entry Age
    • Minimum: 18 years
    • Maximum: 65 years
  • Renewal Age: Life-long renewals allowed
  • Policy Period : Options of 1, 2 & 3 years

Key Benefits

Following are four major benefits of Kotak Secure Shield plan. Comprehensive critical illness cover: Upon diagnosis of any of the 18 types of critical illnesses, in case of other medical emergencies, and while undergoing surgical procedures, you are entitled to receive a one-time sum insured. This helps you meet your medical expenses as well as other financial obligations, such as payment of an existing debt or any other emergency expenses.

Personal Accident benefit: In case of death or permanent total disability due to an accident, your family members may get the personal accident benefit, thus providing them financial stability.

Child Education benefit: In an event of your demise or permanent total disability, our critical illness cover will ensure that your child will continue to receive uninterrupted education.

Loss of Job Benefit (due to illness/ accident): This benefit provides financial support in case of loss of job due to illness or accident if there is a financial liability in the form of a loan. The maximum benefit payable is upto 3 EMI amount due against the declared loan. Non loan-linked policies cannot opt for loss of job benefit.

Critical Illnesses Covered under the Policy

First diagnosis of the below-mentioned Illnesses:
a. Cancer of specified severity
b. Kidney failure requiring regular dialysis
c. Multiple Sclerosis with persisting symptoms
d. Motor Neurone Disease with Permanent Symptoms
e. Benign Brain Tumor
f. Primary Pulmonary Hypertension
g. End Stage Liver Disease/Failure

Undergoing for the first time of the following surgical procedures:
h. Major Organ / Bone Marrow Transplant
i. Open heart replacement or repair of heart valves
j. Open chest CABG
k. Aorta Graft Surgery

Occurrence for the first time of the following medical events:
l. Coma of Specified Severity
m. Stroke resulting in permanent symptoms
n. Permanent Paralysis of Limbs
o. First Heart Attack- of specified severity
p. Third Degree (or Major) Burns
q. Deafness or Loss of Hearing
r. Loss of Speech

Coverages of Kotak General Secure Shield Insurance

  • Comprehensive critical illness cover :Upon diagnosis of any of the 18 types of critical illnesses, in case of other medical emergencies, and while undergoing surgical procedures, you are entitled to receive a one-time sum insured. This helps you meet your medical expenses as well as other financial obligations, such as payment of an existing debt or any other emergency expenses.
  • Personal accident benefit :In case of death or permanent total disability due to an accident, your family members may get the personal accident benefit, thus providing them financial stability.
  • Child education benefit :In an event of your demise or permanent total disability, our critical illness cover will ensure that your child will continue to receive uninterrupted education.
  • Loss of job benefit (due to illness/ accident) :This benefit provides financial support in case of loss of job due to illness or accident if there is a financial liability in the form of a loan. The maximum benefit payable is upto 3 EMI amount due against the declared loan. Non loan-linked policies cannot opt for loss of job benefit.

Exclusions of Kotak General Secure Shield Insurance

  • Any Pre-existing Diseases will not be covered for a period of 48 months of continuous coverage under the policy
  • First occurrence of any medical condition or event within 90 days of policy commencement
  • Any claim arising or resulting from Insured Person committing any breach of the law with a criminal intent.
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all Heads of State and citizens of whatever nation and of all kinds and acts of terrorism.
  • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission. Nuclear weapon materials.
  • Usage, consumption or abuse of substances intoxicants, hallucinogens, alcohol and/or drugs.
  • Self-destruction or self inflicted injury, attempted suicide or suicide.
  • Any sexually transmitted diseases. Acquired Immuno Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases caused by and/ or related to the HIV.
  • Any consequential or indirect loss or expenses arising out of or related to any event giving rise to a Claim under the Policy.
  • While serving in any branch of the Military or Armed Forces of any country during war or warlike operations.
  • Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The Policy also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.

Disclaimer: “For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”)

Kotak General Health Insurance FAQ’s

It refers to payment of the Medical Expenses incurred by the insured while undergoing Specified Day Care Procedures/ Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours Hospitalization.

Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured will bear a specified percentage of the admissible costs

A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.

Sub limit defines the capping of insurance amount, for specific surgeries and medical procedures, which reduces the premium of the plan. You can also opt for an add on cover by paying extra premium to remove the sub- limits under the policy.

Brochure

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Proposal form

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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