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Cost of healthcare has risen significantly in recent times due to medical inflation. As a result, any unplanned hospitalization can burn a hole in your pocket and derail your financial planning. Keeping this in mind, Kotak Mahindra General Insurance Company Ltd. has designed a comprehensive health insurance product called Kotak Health Premier. It not only covers expenses made towards consultation fees, medical tests, ambulance charges & hospitalization costs but also rewards you for taking care of your health through regular preventative and fitness habits.
In-patient Treatment - Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered
Day Care Treatment - Medical expenses incurred for listed 405 day care procedures will be covered which require less than 24 hours hospitalization
Pre and Post-Hospitalization Medical Expenses - Pre & post hospitalization medical expenses upto specified number of days prior to and after discharge based on the plan opted will be covered.
Restoration Benefit - There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims.
Cumulative Bonus - Cumulative Bonus can be earned upto 50%/ 100% of the sum insured as per plan opted in case of a claim free year at 10% per year. There will be no reduction in Cumulative Bonus in case of a claim.
Annual Health Checkup - The policy includes one health check-up for each Insured Person above 18 years of age for specified tests.
Second E-Opinion Cover - Policy will facilitate to avail of Second E-Opinion on medical condition occurring during policy period.
Ambulance Cover - Policy will cover ambulance expenses for transportation to the hospital in case of an emergency.
Organ Donor Cover - Inpatient hospitalization expenses of the donor in case of an organ transplant will be covered.
Alternative Treatment - Policy covers in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems.
Domiciliary Hospitalization - Policy covers medical expenses for treatment taken at home on the advice of the medical practitioner
The policy comes with a host of other covers which are in built or available as an optional cover (on payment of additional premium) depending on the plan chosen.
Hospital Daily cash: It will pay a specified daily cash amount from day one in case the hospitalisation extends for at least 3 consecutive days.
Convalescence Benefit: This benefit pays a lumpsum specified amount in case the hospitalisation exceeds for a minimum period of 10 consecutive days.
Home Nursing Benefit: This cover pays for the services of a qualified nurse at the residence of the insured after discharge from hospital.
Daily Cash for Accompanying an Insured Child: It will pay a specified daily cash amount from day one in case the hospitalization of an Insured child extends for at least 3 consecutive days.
Compassionate Visit: This benefit pays for the cost of return journey of Insured’s immediate relative from place of residence to hospital.
Air Ambulance Cover: It will cover expenses for ambulance transportation in an airplane or helicopter for emergency life threatening situations.
Maternity Covers (available under select plans only) (All the below 3 covers need to be taken together)
Insurance is offered and underwritten by Kotak Mahindra General Insurance Company Ltd.
Kotak Mahindra General Insurance Company Ltd.
Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai – 400051. Maharashtra, India. Toll Free: 1800 266 4545, Email: email@example.com. CIN: U66000MH2014PLC260291. IRDAI Regn. No 152.
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 – 400 051. IRDAI License No. CA0250.
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, coverages and exclusions, please read the sales brochures carefully before concluding a sale. Advt. ref. no: KGI/19-20/II/E-BN/458
Kotak Health Premier - KOTHLIP19063V021819
Insurance is the subject matter of solicitation. Participation by Kotak Mahindra Bank Ltd.’s customers to buy insurance policy is purely voluntary and there is no direct or indirect linkage between the provision of banking services offered by Kotak Mahindra Bank Ltd. to its customers and products/services offered by Kotak Mahindra General Insurance Company Ltd. Insurance products/services are obligations of Kotak Mahindra General Insurance Company Ltd and are not guaranteed by Kotak Mahindra Bank Ltd. Kotak Mahindra General Insurance Company Ltd. shall be liable or responsible for all matters arising out of or pertaining to the insurance products/ services offered by it.