Kotak Health Premier Insurance Plans| Kotak Mahindra Bank

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Health Premier

Be proactive, be protected! Health Premier offers complete coverage & rewards fit for your active life. Zurich Kotak General Insurance Company (India) Limited designs this comprehensive health insurance. It covers expenses made towards consultation fees, medical tests, ambulance charges & hospitalisation costs and rewards you for taking care of your health through regular preventative and fitness habits.

COVERAGE DETAILS:

Coverage	Explanation	Details
In-patient Treatment	This covers medical expenses like room rent, ICU charges, operation theatre charges, doctor's fees, etc., arising out of a minimum of 24 hours of hospitalisation	Up to base sum insured
Day Care Treatment	This will cover medical expenses which require less than 24 hours of hospitalisation	405 Named Day-care Surgeries & Procedures
Pre-Hospitalization Medical Expenses	The policy covers medical expenses before hospitalisation based on the plan opted.	60 days
Post-Hospitalization Medical Expenses	The policy covers medical expenses before hospitalisation based on the plan opted.	90 days
Ambulance Cover	The policy covers ambulance expenses for transportation to the hospital in an emergency.	Up to Rs. 20,000/year
Ambulance Cover		Up to Rs. 20,000/year
Organ Donor Cover	The policy will cover the donor's in-patient hospitalisation expenses in case of an organ transplant.	Up to base sum insured
Alternative Treatment	The policy covers in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems.	Up to base sum insured


Domiciliary Hospitalisation	The policy covers medical expenses for treatment taken at home on the advice of the medical practitioner	Up to base sum insured
Annual Health Checkup*	The policy includes one free health checkup for each insured person for specified tests.	Person above 18 years of age
Annual Health Checkup*		Person above 18 years of age
Restoration Benefit	There will be a 100% restoration of the Base Sum Insured once in a policy year if the Base Sum Insured and Cumulative bonus are insufficient due to previous claims.	As per the plan opted
Cumulative Bonus#	- 10% of the Base Sum Insured, upto a maximum of 100% for each claim free year.	As per the plan opted
	- No reduction in case of claim
	The policy covers a Second E-Opinion on medical conditions occurring during the policy period.	Available
Second E-Opinion Cover
Second E-Opinion Cover
Health & Rewards		Available
Value Added Benefits	Benefits like doctor's appointment, online pharmacy, diagnostic tests and other health/wellness offering etc.	Available
Cataract Surgery Benefit		Upto 10% of base Sum Insured & max of Rs.1,00,000/- per eye per policy period.

Other Covers
Hospital Daily cash	It will pay a specified daily cash amount from day one if the hospitalisation extends for at least 3 consecutive days.	Rs. 1000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Convalescence Benefit	This benefit pays a lumpsum-specified amount if the hospitalisation exceeds a minimum period of 10 consecutive days.	Rs. 15,000
Home Nursing Benefit	This cover pays for the services of a qualified nurse at the insured's residence after discharge from the hospital.	Upto Rs. 3,000 per day for a maximum of 15 days after completion of number of days under post-hospitalisation cover.
Home Nursing Benefit
Daily Cash for Accompanying an Insured Child	It will pay a specified daily cash amount from day one if the hospitalisation of an insured child extends for at least 3 consecutive days.	Rs. 1000 per day for minimum 3 days of hospitalization subject to maximum of 10 days

Optional Covers
Compassionate Visit	Upto Rs. 20,000
Maternity Benefit*	Upto Rs. 25,000 for normal delivery and up to Rs. 35,000 for cesarean delivery
(With 3 year waiting period)
New Born Baby Cover*	Within Maternity Benefit Sum Insured
(With 3 year waiting period)
Vaccination expenses*	Upto Rs. 5,000
(With 3 year waiting period)
Air Ambulance Cover	Upto 10% of base Sum Insured & subject to a maximum of Rs. 5 Lacs
Critical illness Cover	Additional Sum Insures equivalent to the Base Sum Insured and subject to a maximum of Rs. 10 lacs
(Available for age 18 years & above)
Personal Accident Cover	Additional Sum Insures equivalent to the Base Sum Insured
Policy Type	Individual and Floater both are available
Waiting Period for PED	Option to reduce waiting period to 36 months on payment of additional premium
*You need to opt for Maternity Benefit, New Born Baby Cover, Vaccination Expenses together.

For a smooth and hassle-free claims experience, it is important to understand the exclusions/waiting period in your policy.

Waiting Period/Exclusions
Waiting Period for PED	Option to reduce waiting period to 36 mongths on payment of additional premium
30 Day Waiting Period	This includes any illness contracted or medical expenses incurred within 30 days of commencement of the policy unless due to an accident. This exclusion also doesn’t apply to the renewal of policy with us or to anyone whose policy has been accepted under the portability benefit.
2 year Waiting Period	This includes medical expenses incurred for certain specified illnesses or conditions like Hernia, Fissures/Fistula, Arthritis, Gout etc. during the first 2 consecutive years of the commencement of the policy.
Pre-existing Disease Waiting Period	Any Pre-Existing Disease will not be covered until waiting period as per Plan opted for as elapsed. The waiting period will be reduced by number of continuous preceding years of coverage under existing health insurance policy or as per portability benefit.
Permanent Exclusions	· Injury or Illness due to intoxicating drugs, alcohol, mental Illness; intentional self-injury; aesthetic treatment, cosmetic surgery; Experimental, unproven or non-standard treatment. · Claim related to criminal acts are permanently excluded under the policy. · For a complete list of permanent exclusions, please refer to the policy wordings, which are available on the website of the company.

Products Available

Health Care

A comprehensive health insurance plan to ensure you and your family members are always well-protected.

Secure Shield

Protect yourself and your family against the expenses that come with treating critical illnesses, without having to compromise on the quality of healthcare.

Disclaimer

Insurance is offered and underwritten by Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)

Registered Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India.
Toll free: 1800 266 4545; Email: [email protected]
CIN: U66000MH2014PLC260291. IRDAI Reg. No.152.

Kotak Mahindra Bank Ltd. is a Corporate Agent of Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)

Registered Address: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India. 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.

Health Premier UIN: ZUKHLIP23109V052223

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 Zurich Kotak General Insurance Company (India) Limited Insurance products/services are obligations of Zurich Kotak General Insurance Company (India) Limited and are not guaranteed by Kotak Mahindra Bank Ltd. Zurich Kotak General Insurance Company (India) Limited shall be liable or responsible for all matters arising out of or pertaining to the insurance products/ services offered by it.