Kotak General Insurance

• Kotak General Insurance is part of the Kotak Mahindra Group, one of India's leading financial services conglomerates.
• Kotak Mahindra General Insurance received IRDAI approval to commence the insurance business in the year 2015.
• The company’s aim is to focus on customized products, state-of-the-art technology, and digital infrastructure to differentiate itself in the general insurance market.

Motor Insurance

Kotak Mahindra General Insurance offers comprehensive insurance for private and commercial use vehicles.

Private Car Insurance

Private car insurance offers comprehensive coverage for private car owners. The features of the Kotak Car Secure policy are:

• Damage cover protection from man-made and natural calamities
• Personal accident and passenger cover
• Third-party liability
• Enhanced protection through optional add-ons
• No Claim Bonus
• Cashless service at a network garage
• AAI member discount

UIN: IRDAN152RP0006V02201516

Private Two-wheeler Insurance

With two wheeler insurance, Kotak Mahindra general insurance offers good protection so you can enjoy every ride be it to work, home or leisure. The features of the Kotak Long Term Two Wheeler Secure policy are:

• Loss or damage cover
• Liability to the third party
• Personal accident cover for owner-driver
• Long term policy tenure
• No claim bonus
• Additional discount of being an active member of AAI

UIN: IRDAN152RP0008V02201617

Commercial Vehicle Insurance

Commercial vehicles are a great asset to a business and its breakdown can cost dearly to the business. Considering this the commercial vehicle insurance offers complete coverage to mitigate financial loss during unforeseen circumstances. The features of the Kotak Commercial Vehicle policy are:

• Damage cover protection from natural and man-made calamities
• Personal accident and co-passenger cover
• Third-party legal liability
• Coverage for electric and non-electric accessories
• No claim bonus
• AAI membership discount
• Cashless garages

Commercial Vehicles covered by Kotak General Insurance

• Goods Carrying Vehicles (UIN: IRDAN152RP0008V02201516)
• Passenger Carrying Vehicles (UIN: IRDAN152RP0009V02201516)
• Miscellaneous Vehicles (UIN: IRDAN152RP0007V02201516)

Health Insurance

With the rising health insurance costs, it has become imperative to have a health insurance policy. Kotak Mahindra General Insurance offers comprehensive health insurance to keep you financially protected during times of illness.

Kotak Secure Shield (Critical Illness Cover)

Critical illness cases are on the rise and becoming more and more common. Kotak Secure Shield helps you to get the best quality healthcare at the same time ensuring you are financially protected. Let’s have a look at some of the main features of this plan:

• Comprehensive coverage with 18 types of critical illness, surgical procedures, and other medical events
• Personal accident death, permanent total disability cover
• Child education benefit
• Free lookup period of 15 days
• Loss of Job Benefit (due to illness/ accident)
• Tax benefits

UIN: KOTHLIP21350V042021

Kotak Health Care (Comprehensive Health Insurance Plan)

This health insurance plan is for individual and family floater basis. It has three multiple variants in Excel, Premium and Prime plan offering different sum insured. Excel offers sum insured from INR 2 to 4 lakhs, Premium offers sum insured from INR 5 to 25 lakhs. The plans come with lifelong renewal and policy terms of 1, 2, or 3 years. Some of the main features of the plan are:

• Inpatient Hospitalisation
• Daycare treatments
• Cumulative Bonus on renewal of policy for a claim-free year
• Pre and Post hospitalization medical expenses
• Cashless settlement at 4000 plus network hospitals
• Free lookup period of 15 days
• Free health check-up
• Ambulance cover
• Optional add-ons for enhanced protection

UIN: KOTHLIP21071V032021

Motor Insurance

Call 1800 266 4545 (8 a.m. – 8 p.m.) or submit Claim Intimation Form on the Kotak General Insurance Company website to inform about your claim along with your policy details.

Cashless claims process step by step

• After reporting the claim, a vehicle inspection will be conducted within 24 hrs if reported on a working day. The inspection will take place on the next working day of reporting on Sunday or a public holiday.
• All relevant required documents to be submitted as per terms and conditions.
• Cashless confirmation and settlement will be done directly at the preferred network garage.
• Pay the deductible as mentioned in the policy and take delivery of the vehicle from the network garage.

Reimbursement claims process step by step

• After reporting the claim, a vehicle inspection will be conducted within 24 hrs if reported on a working day. The inspection will take place on the next working day of reporting on Sunday or a public holiday.
• All relevant required documents to be submitted as per terms and conditions.
• After the inspection is done, get the vehicle repaired at the garage and pay the bill.
• Submit all the receipts and bills as required and payment will be initiated within 7 days of receipt of all required documents.

Health Insurance Claim process

Cashless Claims at Network hospital (Planned Hospitalisation)

• Visit cashless helpdesk 48 hrs prior to hospitalisation. Fill the pre-authorisation form and submit medical documents and photo ID.
• If the case is approved, the bill will be settled up to the approved amount at the time of discharge. If the case is not sanctioned pay the bills and submit the claim in reimbursement mode.

Cashless Claims at Network hospital (Emergency Hospitalisation)

• Visit cashless helpdesk within 24 hrs of hospitalisation. Fill the pre-authorisation form and submit along with the required medical documents and photo ID.
• If the case is approved, the bill will be settled up to the approved amount at the time of discharge. If the case is not sanctioned, pay the bills and submit the claim in reimbursement mode.

Reimbursement claims

• Inform at 1800 266 4545 or care@kotak.com
• Pay all the bills and collect all the relevant medical receipts and documents
• Submit all original and complete documents within 30 days of discharge from the hospital
• After the document verification process, the claim will be processed within 15 days

Kotak General Insurance

8th Floor, Zone IV, Kotak Infinity, Bldg.

21, Infinity IT Park, Off WEH,

Gen. AK Vaidya Marg, Dindoshi,

Malad (E), Mumbai – 400097. India

Telephone: 1800 266 4545 (Toll-free)

E-Mail: care@kotak.com

Website: www.kotakgeneralinsurance.com