Kotak Health Care- Premium Plan

What is the Plan all About?

Kotak Health Care- Premium health plan provides a comprehensive coverage against hospitalization expenses arising from any illness/injury. This health plan offers the sum insured to suit you & your healthcare needs.

Key Features

Complete health cover
Wide range of sum insured options
Choose additional covers to enhance health cover
Lifetime Renewability
Avail tax benefits

Policy Benefits

In-patient hospitalization expenses like room rent, anesthetist & surgeon fees, OT charges, blood, oxygen, etc. are covered under this policy.
Pre hospitalization expenses incurred 30 days prior hospitalization.
Post hospitalization expenses incurred 60 days after discharge from hospital.
150 enlisted day care procedures that require hospitalization for less than 24 hours.

Value Added Benefits

Base annual sum insured can be enhanced at the policy renewal.
Avail cumulative bonus of 10% on completion of each claim-free policy year, to a maximum of 50% of the sum insured.
Ambulance charges are payable as applicable.
Free annual health checkups for every insured person above 18 years, for specified tests. This benefit is applicable regardless of any claim registered/paid in the policy.
Option to avail cashless treatment in 4000+ network hospitals across the country.
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 payable 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 Hernia, Fistula, Gout, 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, applicable for all age groups.

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	5 Lacs	25 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	-