Kotak Mahindra Health Insurance

There are many health insurance companies in India, but choosing a good insurance provider is important. When you have a trustworthy health insurance provider, not only do you have excellent cover, but you also get the best service, which is an essential requirement. The Kotak Health Insurance Company is a leading health insurer in India, offering some very good and well-defined medical insurance covers. Read on to know why you should consider the health plans from Kotak Mahindra and what benefits you can get once you do so.

1. Kotak Secure Shield

   Getting a critical illness plan is necessary for today's day and age. Lifestyle-related ailments are on a rise and so you need to have proper medical coverage to ensure you can tackle any life-threatening disease with precision. The Secure Shield plan is one of the best Kotak Mahindra Bank health insurance plans.

2. Kotak Health Care

   This is an excellent family floater comprehensive health plan from Kotak Mahindra Health Insurance. It offers a well-rounded health cover for you as well as all your near and dear ones.

3. Kotak Accident Care

   If you get injured in a road accident or are left disabled due to it, you will get compensated for the loss. If you die in the accident, your family will get a predetermined sum assured.

4. Kotak Health Super Top Up

   A super top-up plan is a very handy form of health insurance that helps you to have a much higher coverage amount. The Kotak Health Super Top-Up is a very good plan in this category.

5. Kotak Health Premium

   One of the best health insurance plans available in the market currently, the Kotak Health Premier Plan is an all-inclusive comprehensive health plan that offers many rewards and benefits such as the restoration benefit and the vaccination covers.

6. Kotak Arogya Sanjeevani Policy

• There are over 4000 network hospitals associated with Kotak health insurance. As a result, you find a hospital in practically every corner of the country.
• The company has an incurred claim ratio of 72.11% (FY21-22).
• You enjoy lifelong renewability with the Kotak Health insurance plans.
• For most pre-existing diseases, there is a waiting period of 4 years under the Kotak health plans.
• Many options to choose from including family floater plans, individual health plans, critical illness plans, etc.
• 24/7 assistance from an excellent customer support team.

• Comprehensive health covers are available.
• You can make claims on a cashless, as well as, a reimbursement basis.
• You get various covers such as OPD covers, in-patient care, ICU covers, ambulance covers, domiciliary care, pre and post-hospital care, etc
• Covers available for all the members of a family
• Critical illness covers available.
• You get the option to add various riders to your policy.
• Organ donation cover.
• Hospital cash cover.

• You cannot make a claim on the health insurance Kotak Mahindra bank plans if the injury happens due to war or any war-like situation.
• You cannot make a claim before the waiting period is exhausted.
• You cannot make a claim if you are hospitalised due to an accident caused by drunk driving.
• You cannot make a claim if you get hurt in an act of terrorism.
• You cannot make a claim if you need hospitalisation due to attempted suicide.

• Cashless claim

  • In the case of a pre-planned hospitalisation, inform the insurer by calling on the Kotak Mahindra health insurance customer care number, at least 48 before you get admitted and submit a duly filled and signed pre-authorization form.

    If the admission happens due to an emergency, you need to fill the pre-authorisation form at the time of admission. This needs to be done at the help desk situated at the hospital within 24 hours.

  • Alongside, you need to submit the documents to the hospital TPA desk.
  • If approved, the insurer will directly pay the hospital and your claim will be settled. Only the inadmissible portion would be payable to you.

• Reimbursement claim

  • If you get treated at a non-network hospital, you have to call Kotak Health Insurance on 1800 266 4545 and inform them of the hospitalisation at the earliest, preferably within 24 hours of getting admitted.
  • Collect all the original bills, reports, doctor’s prescription, discharge summary and receipts from the hospital and file them accurately with the insurer.
  • Try to file the claim within 30 days of getting discharged from the hospital. If all the clauses are met and all the documents are in place, the claim amount will be reimbursed directly into the account details provided by the insured.

1. Age

   A young person is considered to be fit and healthy. He has fewer health conditions and risks too. This is why a younger person has to pay a lower health insurance premium as compared to an elderly person.

2. Medical conditions

   People who have pre-existing health conditions such as diabetes, hypertension, etc are asked to pay a higher premium amount. This is because their health is fragile and they are more likely to make a claim on the insurance plan.

3. Lifestyle conditions

   A person who smokes and drinks regularly will have to pay a much higher health insurance premium as compared to a non-smoker.

4. Location

   People living in the big cities of India have to pay more health insurance premiums as compared to the people living in the smaller towns. This is because living in large cities involves many health hazards due to higher pollution levels, more stress, chances of road accidents, etc.

You can easily buy a Kotak Mahindra bank health insurance policy online. To do so, all you have to do is visit the portal of Coverfox or visit the app. Then, compare and find all the available health plans. Select the Kotak health plan that you wish to buy. Get some riders if desired. Fill in the application form and upload the required documents. Finally, pay the premium and the plan will be issued to you.

If you have a specific health condition, or if you are aged, the insurance provider may ask you to undergo a pre-policy health test. Agree to the test and get it done so that you get your health insurance plan in a smooth and hassle-free manner.

The process to renew the health insurance Kotak Mahindra bank plans are quite simple. All you have to do is go online and complete the process in a few minutes.

The renewal can be done through the official website of Kotak Mahindra bank health insurance. You just need to enter the details regarding yourself and the policy you have. Then, pay the premium mentioned through a safe and fast online payment mode and the policy will be renewed then and there.

The Kotak health plan can also be renewed on Coverfox.com in a quick and easy manner.

Points to remember when you renew your Kotak Health insurance plan

• The renewal should always be done before the existing plan expires.
• It is a good idea to revisit your health requirements when you renew the cover. See if the health needs of the family have changed. If yes, then adjust the sum insured and get a proper and sufficient coverage amount.
• Evaluate your existing add-on covers. Remove or add the riders, depending on your current health insurance needs.

• It is easy to compare, locate and then buy the best health insurance policy on Coverfox.
• Coverfox is a digital platform and so it is available round the clock so you can get the plan as and when you need it.
• You can find some very handy user reviews and then base your decision on those.
• Helps you to save your money, effort and time as you can find and then buy the ideal policy in just a few minutes.