Kotak Health Care- Excel Plan

What is the Plan all About?

Kotak Health Care Excel is a comprehensive health plan that covers all medical expenses, so you & your family can easily get the treatment done, without any worries. This health plan takes care of in-patient hospitalization expenses.

Key Features

Complete Health Cover for you & your family
Flexible Sum Insured options
No Pre Policy medical check-up to 45 years
Enhance Cover through optional covers
Lifetime Renewability

Policy Benefits

In-patient treatment expenses like room rent, boarding, ICU charges, operation theater charges, medicines, consumables, etc.are covered for a minimum stay of 24 hours.
Pre hospitalization expenses when incurred before hospitalization are covered up to 30 days.
Post hospitalization expenses when incurred after discharge from hospital are covered up to 60 days.
150 listed day care procedures that require the insured person to get hospitalized for less than 24 hours.

Value Added Benefits

Base annual sum insured can be increased at the time of renewal of the policy.
Get cumulative bonus of 10% for every claim-free year, to a maximum of 50% of the sum insured.
Emergency ambulance charges are payable.
Free annual health check-ups for every insured person above 18 years, for specified tests. This benefit is applicable irrespective to claims lodged/paid in the policy.
Enjoy cashless claims settlement across 4000+ network hospitals.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No Room Rent sub limit is applicable under this plan.
Emergency ambulance charges are covered up to Rs 1500.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: Specific illnesses such as Cataract, Hernia, Arthritis, etc. are covered after 24 months of policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a continuous policy coverage for 48 months.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 25 Years
Sum Assured	2 Lacs	4 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Hospital Daily Cash+Convalescence Benefit+Donor Expenses, Critical Illness Cover + Double Sum Insured, Cap On Room Rent	-