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Individual Health Insurance Plans

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Kotak Health Care Plan

Exorbitant medical costs can quickly drain your life savings and result in financial stress. Therefore, you could invest in Kotak Health Care plan to overcome financial challenges in case of medical exigencies.

Kotak Health Care plan is specifically designed for individuals to receive medical care without worrying about the cost. Instead of stressing about making last-minute financial arrangements, you may receive high-quality medical care and concentrate on a quick recovery. The plan comes in two variants: Excel and Premium. To know more about the plan, continue reading the post.

Eligibility Criteria

Minimum Entry AgeFor Individual Plan: 5 Years, For Floater Plan: 91 Days
Maximum Entry Age65 Years
Policy Tenure1/2/3 Years
Sum Insured OptionsFor Excel: Rs. 2/3/4 Lakhs, For Premium: Rs. 5/10/15/20/25 Lakhs
RenewabilityLifelong

Focal Points Of Kotak Health Care Plan

Let’s have a look at what the policy covers!

FeaturesStatus
In-Patient HospitalizationCovered
Pre-Hospitalization30 Days
Post-Hospitalization60 Days
Daycare Procedures150 Covered
Ambulance CoverUp To Rs. 1500

Why Should You Choose Kotak Health Care Plan?

You should consider buying the plan because it provides the following benefits to the policyholder:

Free Health Checkup: Each insured person over the age of 18 is entitled to one free health checkup at a provider once each policy year for a set of tests. The Base Annual Sum Insured or the Cumulative Bonus will not change if you take advantage of the Free Health Check-up. This shall be provided irrespective of any claim made or admitted under the policy.

Cumulative Bonus: When this policy is renewed, you will receive a cumulative bonus of 10% on your Base Annual Sum Insured if there have been no claims for the previous 50% of the Base Annual Sum Insured. The accrued Cumulative Bonus under the policy will be reduced by 10% at the start of the subsequent policy year or the subsequent renewal of the policy if any claims are made under the policy after a Cumulative Bonus has been applied under the policy.

Discount: The policy offers a long-term discount to the policyholder. If he/she selects the policy for 2 years, the plan will give a 5% discount, whereas, if a 3-year policy is chosen, a 10% discount will be given to the policyholder.

Tax Benefits: Include the policy’s premium when figuring out your yearly income to benefit from tax deductions. Deductions are allowed under Section 80C of the Income Tax Act of 1961. You can save yourself from having to pay the government additional taxes as a result.

Optional Covers & Extensions: You can choose optional covers and extensions to fit your needs, which are available for an additional cost, to personalize your policy. Depending on the type of plan chosen, you can choose from a variety of add-on covers.

Exclusions Under Kotak Health Care Plan

The plan does not cover the below-mentioned expenses:

  • The price of routine medical, ophthalmic, and hearing tests; the cost of preventative health checks; the price of eyeglasses; the price of contact lenses; the price of hearing aids; the price of dentures or artificial teeth; the price of contact lenses
  • Any costs associated with wheelchairs, crutches, correcting devices, prosthetic limbs, or other types of external durable medical equipment
  • All dental treatment costs, unless they were caused by an accident
  • Any costs associated with personal convenience, cosmetics, and hygiene-related goods and services
  • Any form of natural medicine, including acupressure, acupuncture, magnetic therapy, and similar practices
  • Circumcision, unless it is required for the treatment of a disease or as a result of an accident
  • Any type of vaccination or inoculation, unless it is for an animal bite
  • Sterility, venereal disease, or any other sexually transmitted disease
  • Intentional self-injury (whether resulting from a suicide attempt or otherwise)
  • Injury or illness brought on by the use, abuse, or misuse of intoxicating substances
  • Any costs associated with the treatment of mental illness, stress, psychiatric, or psychological disorders
  • Any aesthetic procedures, cosmetic surgery, or plastic surgery, including any side effects resulting from or attributable to such procedures
  • Any costs incurred for treatment related to or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage, abortion, or complications)
  • Treatment relating to Congenital External Anomalies
  • Any treatment or surgery for a change of sex, as well as treatment or surgery, complications, or illness arising as a result thereof
  • Genetic disorders, stem cell implantation/surgery, harvesting, storage, or any other stem cell-based therapy
  • All costs related to any condition that is directly or indirectly brought on by or linked to AIDS.

Frequently Asked Questions

Yes. The plan has 30 days general waiting period, 2 years for specified illnesses, and 4 years for pre-existing diseases.

The plan covers self, spouse, dependent children & dependent parents.

Yes. The policy offers 15 days as a free look period from the policy’s receipt date.

The plan provides a 30-day grace period for renewals.

The add-on covers for Excel and Premium variants under the plan are as follows:

For Excel

  • Option 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses
  • Option 2: Critical Illness Cover + Double Sum Insured for Hospitalisation due to Accident
  • Option 3: Cap on Room Rent

For Premium

  • Option 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses
  • Option 2: Critical Illness Cover + Double Sum Insured for Hospitalisation due to Accident

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