Diseases Covered by Kotak Mahindra Health Insurance

List of Diseases Covered by Kotak Mahindra Insurance Plans

The cost of healthcare has greatly increased in recent years as a result of medical inflation. Therefore, each unplanned illness has the potential to deplete your bank account. To protect you and your family against medical threats, Kotak Mahindra General Insurance Company Ltd. has introduced a number of health insurance policies. Here, we’ll examine the characteristics and advantages of Kotak health insurance plans.

The Kotak Mahindra General Insurance Company’s health insurance division is known as Kotak Mahindra Health Insurance. Kotak Mahindra Bank Limited wholly owns the business, which began operations in November 2015. Its range of health policies protects both individuals and families from anticipated and unanticipated medical costs.

Importance of Kotak Mahindra Health Insurance

Everyone wants their family to have access to high-quality medical care. It becomes quite difficult with rising medical bills. Choosing the correct health insurance plan enables you to receive enough medical coverage without worrying about money.

To meet the healthcare needs of you and your family, Kotak General Insurance Company offers health plans. Hospitalization can be expensive, and Kotak Mahindra health insurance covers the expense of high-quality medical facilities. A health insurance plan from Kotak might give you the extra protection you need in light of escalating medical costs.

List of Kotak Mahindra Health Insurance Plans

Listed below are the Kotak Mahindra health insurance plans.

  • Kotak Health Premier Plan
  • Kotak Health Care Plan
  • Kotak Health Super Top-Up Plan
  • Kotak Secure Shield Plan
  • Kotak Accident Care Plan
  • Kotak COVID-19 Secure Plan

Top Diseases Covered Under Kotak Mahindra Health Insurance Plans

Here is the list of the diseases covered under Kotak Mahindra Health Insurance Plans. 

  1. Novel Coronavirus:

SARS-CoV-2 is the primary cause of coronavirus disease, usually referred to as COVID-19. The majority of COVID-19 infection sufferers only have mild to moderate symptoms. With straightforward care, they can get better. However, people with pre-existing conditions or comorbidities will need serious medical care.

  1. Low Blood Pressure:

When a person’s blood pressure is significantly lower than the usual range, they are said to have low blood pressure. A blood pressure reading of 120/80 mmHg is thought to be within the normal range. Low blood pressure is defined as a reading of 90/60 mm Hg or below.

  1. Cancer:

A lot of people are at risk of the deadly disease of cancer. Numerous cancer kinds now have better recovery prospects because of medical progress, but the price of these treatments is still going through the roof. Fortunately, many health insurance policies include coverage for a number of cancer forms and their associated medical costs. According to the provisions of the policy, coverage may include hospitalization, chemotherapy, medications, and other procedures.

  1. HIV AIDS:

People with HIV/AIDS have a weakened immune system and are more vulnerable to a number of problems. Any Indian of the middle class can’t afford to treat it. Fortunately, several insurance policies in India offer financial assistance for HIV/AIDS treatment. Different comprehensive health insurance plans cover hospitalization charges, treatment costs, daycare costs, and a variety of other costs.

  1. Cataract:

With over 14 million operations each year, cataract surgery is one of India’s most popular surgical treatments. Depending on the method and complication, the surgery may cost between 15,000 and 1 lakh rupees. After an initial waiting period, the majority of health insurance policies cover cataracts.

  1. Heart Diseases:

The heart is one of our body’s most vital and challenging organs. Cardiovascular disorders impair your heart’s regular function and have an impact on your entire body; they are frequently fatal. Many medical expenses for cardiac disorders, such as cardiomyopathy, refractory heart failure, etc., are covered by the majority of medical insurance policies in India. A lot of insurance also includes cardiac health examinations.

  1. Diabetes:

Both men and women commonly experience the health effects of diabetes. The disease can result in a variety of consequences, and patients frequently need to be hospitalised, depending on their individual health conditions. You may be covered for all costs, including blood tests, insulin injections, doctor consultation fees, medications, etc., depending on the terms of your policy.

  1. Injuries Caused by Accidents:

The expense of medical care for accident-related injuries is typically covered by all Kotak health insurance. You may receive complete coverage for all costs, including inpatient hospitalization, post-hospitalization care, diagnostic testing, etc., depending on the insurance terms. Additionally, if you receive treatment at one of the hospitals in the insurer’s network, you are eligible to use the cashless claim facilities for such expenditures.

  1. Dengue:

The bite of an infected mosquito transmits the disease dengue. The dengue virus is disseminated by the Aedes mosquito species. If the infection is not treated immediately, it can get problematic and cause oophoritis, iritis, and pneumonia. The expense of treating dengue is covered by all health insurance plans.


A study indicates that in India, the patient bears about 80% of medical expenses. When there is no financial support or not enough money, patients frequently die. Each year, this causes 4 to 6 crore Indians to fall into poverty as a result of medical debt. 

People can protect themselves from such monetary disasters as lost income and the passing of the earning member by having a thorough health insurance plan. Choosing a Kotak Mahindra health plan provides protection from unexpected medical costs and can be acquired for a little charge.

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