Kotak Health Care

1860 266 2666

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In today's fast paced world, everyone has a hyper active lifestyle with little or no time to take care of one's health which makes most of us prone to a host of health ailments. Added to this, the rising cost of quality healthcare can cause a lot of financial stress in such testing times. Kotak Health Care is designed to take care of your medical expenses during such times so that you & your loved ones can lead your lives the way you please, worry free.


  • In-patient Treatment
    Medical expenses incurred in the event of in-patient hospitalization of the insured person resulting out of an Illness or an Injury for a minimum and continuous period of 24 hours will be covered
  • Day Care Treatments
    Medical expenses incurred for specified day care procedures shall be covered under the policy. For a complete list of Day Care Treatments covered, please click here.
    Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses
    Medical expenses incurred immediately 30 days before hospitalization & 60 days after hospitalization will be covered under the policy.
  • Ambulance Cover
    The cost of transportation of the Insured Person by a registered healthcare or ambulance service provider to a Hospital for treatment of an Illness or Injury following an emergency will be covered as per specified limits of the policy.
  • Free Health Check-up
    The policy also includes one free health check-up at our network provider for each Insured Person above 18 years of Age, each Policy Year for specified tests. Availing the Free Health Check-up will not impact the Base Annual Sum Insured or the Cumulative Bonus.
    This will be offered regardless of any claim admitted/ registered in the Policy. Presently, the following tests are covered for all eligible Insured Persons:
    CBC; MER; Serum Cholesterol; Serum Creatinine; SGPT /SGOT; ECG; Random Blood Sugar.
  • Cumulative Bonus
    Avail a cumulative bonus of 10% on your Base Annual Sum Insured on renewal of this Policy, provided there has been no claim throughout the policy period upto a maximum of 50% of Base Annual Sum Insured.
    If any Claim is made under the Policy after a Cumulative Bonus has been applied under the Policy, then the accrued Cumulative Bonus under the Policy will reduce by 10% on the commencement of the next Policy Year or the next Renewal of the Policy (as applicable).
  • Cashless Settlement
    Avail hassle free cashless settlement across our preferred network of over 4,000+ hospitals across the country
  • Optional Covers & Extensions
    Customize your policy by choosing optional covers and extensions to suit your requirements available for an additional premium. Choose from 2 add-ons based on your requirement. For details of optional covers, please refer to the policy wordings of the plans available on our website.


Insurance is underwritten by Kotak Mahindra General Insurance Company Ltd.

Kotak Mahindra Bank Ltd. is a Corporate Agent of Kotak Mahindra General Insurance Company Limited.
Registered Address: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051.
IRDA License No. CA0250

Kotak Mahindra General Insurance Company Ltd. (Formerly Kotak Mahindra General Insurance Ltd.)
Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra East, Mumbai - 400051. Maharashtra, India. CIN: U66000MH2014PLC260291. IRDAI Regn. No 152.
Advt. Ref. No. KGI/16-17/II/E-WS/67. Kotak Health Care UIN: IRDAI/HLT/KMGI/P-H/V.I/28/2015-16.

Trade logo displayed above belongs to Kotak Mahindra Bank Ltd. and is used under license. The advertisement contains only an indication of the covers offered. For more details on risk factors, terms, conditions, coverage's and exclusions, please read the sales brochures carefully before concluding a sale. Visit www.kotakgeneralinsurance.com or write to us at care@kotak.com. Toll Free - 1800 266 4545

BenefitsPlan - ExcelPlan - PremiumPlan - Prime
Base Sum Insured2 lac / 3 lac / 4 lac5 lac / 10 lac / 15 lac / 20 lac / 25 lac10 lac / 15 lac / 20 lac / 25 lac / 50 lac / 75 lac / 100 lac
Basic Covers- Inpatient Hospitalization: Up to 30 days pre hospitalization & Up to 60 days post hospitalization
- 150 named day care procedures - Ambulance Cover up to Rs.1500 -  Free Health Check-up - Cumulative Bonus
Optional Covers
Pack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses
Pack 2 2: Critical Illness Cover + Double Sum Insured
Pack 3: Cap on Room Rent
Pack 1: Hospital Daily Cash + Convalescence Benefit + Donor Expenses
Pack 2: Critical Illness Cover + Double Sum Insured
Option 1: Hospital Daily Cash
Option 2: Convalescence Benefit
Option 3: Donor Expense
Option 4: Critical Illness Cover
Option 5: Double Sum Insured
Option 6: Domiciliary Hospitalization Cover
Option 7: Alternative Treatment
Option 8: Maternity Benefit
Option 9: New Born Baby Cover
Option 10: Compassionate Visit
Option 11: Restoration of Sum Insured
Individual / FloaterIndividual: Available for all Sum Insured
Floater: Available for 3 lac / 4 lac only
Both Available
Mandatory Medical Check-upsFor individuals > 45 years
Waiting Period: Pre-existing disease4 years for all age groups
Min. / Max. Entry AgeMinimum 5 years & Maximum 65 years (Individual)
Minimum 91 days & Maximum 65 years (Floater)
Maximum 25 years for dependent children
Exit AgeNo exit age
Policy Tenure1, 2 & 3 years
Relationships CoveredSelf, Spouse, Dependent Children & Dependent Parents
Tax BenefitUnder Sec. 80D of IT Act 1961
Free-look Period15 days from the date of receipt of the policy
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