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Individual Health Insurance Plans

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Kotak Secure Shield Plan

Unexpected medical costs can quickly break anyone’s bank and deplete their savings. Therefore, one can only protect his or her family from such events with a medical insurance plan like Kotak Secure Shield Plan without sacrificing the quality of care.

The Kotak Secure Shield Policy is designed to protect individuals and their families from critical illnesses by offering a financial safety net. Policyholders can choose from a variety of benefits under this plan, including critical illness, personal injury, and/or loss of job benefits.

Eligibility Conditions Of Kotak Secure Shield Plan

Minimum Entry Age18 Years
Maximum Entry Age65 Years
Policy Period1/2/3 Years
Sum Insured OptionsRs. 5 To Rs. 10 Lakhs

Features & Benefits Of Kotak Secure Shield Plan

This plan has several unique features that will make it easier for you to comprehend the plan. You need to understand all the advantages of this plan and the risks that are covered by it.

  • Critical Illness Cover

You are covered by this insurance policy for 18 different critical illnesses. Therefore, the insurer will cover your medical costs and additional hospitalization costs if you are found to have one of the 18 illnesses listed.

  • Child Education Benefit

If you pass away or have a personal accident that renders you totally and permanently disabled, this plan will cover the costs of your child’s education in the future. The money your family receives from the insurance provider will help your family pay for the high cost of schooling in today’s society.

  • Personal Accident Cover

If you were to suffer some sort of personal accident and ended up fully crippled, the company would reimburse you for your losses. On the other hand, if the insured individual passes away tragically as a result of a personal accident, the firm will pay his family the agreed-upon amount.

  • Loss Of Job Benefit

You will receive some benefits from the Kotak Secure Shield Insurance Plan if you lose your current job. Your financial load will be lessened by the insurance company paying three EMIs on your current loans.

  • Flexible Policy Period

The policy term can be chosen from three alternatives. This health insurance plan is available for 1, 2, or 3 years. If you purchase this coverage for an extended period of time, you may be eligible for premium rebates.

  • Free Look Period

If you don’t think the coverage is intriguing, you have a 15-day free-look period during which you can return it to the insurer. This 15-day window begins on the day the policy was first issued. Within 15 days of the free-look period, you have the opportunity to carefully review every clause in this policy.

  • Income Tax Benefits

Enjoy tax deductions by including the policy’s premium while calculating your yearly income. According to Section 80C of the Income Tax Act of 1961, deductions are permitted. Consequently, you can spare yourself from having to pay the government more taxes.

Kotak Secure Shield Plan Premium

The coverage and benefits you will receive during or after the policy term will depend on the premium payment you make for your Kotak Secure Shield plan, so understanding it is crucial. Here, a variety of parameters have been used to establish the premium amounts for the plan!

Name Of The InsuredAge Of The InsuredInsured AmountPremium AmountPolicy Term
Akash Gupta29 YearsRs. 5 LakhsRs. 3,1202 Years
Garima Goyal35 YearsRs. 5 LakhsRs. 5,4763 Years
Ritesh Singh55 YearsRs. 10 LakhsRs. 10,0281 Year
Madhuri Singh65 YearsRs. 10 LakhsRs. 75,1973 Years

What’s Not Included Under Kotak Secure Shield Plan?

Here are some of the exclusions under the plan:

  • A claim resulting from or arising out of an insured person breaking any laws
  • Armed conflict, military or usurped authority, invasion, hostilities, civil war, rebellion, revolution, insurrection, mutiny, seizure, capture, arrests, and constraints
  • Radiation that emits ions or radioactive contaminants from any nuclear fuel.
  • Alcohol, narcotics, hallucinogens, and other intoxicants are used, consumed, or abused
  • Suicide attempts, self-inflicted harm, or self-destructive behaviour
  • STIs such as AIDS-related complicated syndrome and Acquired Immuno Deficiency Syndrome (AIDS)
  • Injuries sustained while serving in any branch of a nation’s military or armed forces during hostilities or activities resembling hostilities.

Frequently Asked Questions

Yes. The plan offers 30 days for renewals under the plan.

The plan provides coverage against the following 18 critical illnesses:

  • Cancer of specified severity
  • Kidney failure requiring regular dialysis
  • Multiple sclerosis with persisting symptoms
  • Motor neurone disease with permanent symptoms
  • Benign brain tumor
  • Primary pulmonary hypertension
  • End-stage liver disease/failure
  • Major organ/bone marrow transplant
  • Open heart replacement or repair of heart valves
  • Open chest CABG
  • Aorta graft surgery
  • Coma of specified severity
  • Stroke resulting in permanent symptoms
  • Permanent paralysis of limbs
  • First heart attack of specified severity
  • Third-degree burns
  • Deafness or loss of hearing
  • Loss of speech

Yes. The plan comes with 48 month waiting period for any pre-existing disease and 90 days for any other medical condition.

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