Kotak Health Insurance Company

Kotak Health Premier Total:

Kotak Health Premier Total is a comprehensive plan that offers a host of coverage benefits for all-inclusive coverage. The salient features of the policy are as follows:

• Restoration benefit: You can get 100% restoration of the sum insured if your coverage is used up in any policy year and you suffer multiple claims. This allows additional coverage so that you don’t run out of the sum insured in a medical emergency.

• Second medical opinion: You can avail of a second medical opinion, free of cost, online through the company’s panel of medical experts. The facility is available multiple times so that you get the best medical care.

• High-sum insured:  The plan offers coverage up to Rs.2 crore so that you can opt for a high-sum insured against expensive medical costs.

• Annual health check-ups: You can avail of free health check-ups every year to monitor your overall health.

• Health and wellness benefits: The plan promotes healthy living and provides health risk assessment facilities besides preventive health check-ups. Furthermore, if you engage in healthy activities, you can earn health rewards which can be redeemed against non-admissible medical expenses and co-payments.

Kotak Health Premier- Elite:

Kotak Health Pioneer Elite is one of the variants of Kotak Health Premier which comes with protection plus value-added benefits and rewards to help you stay healthy and fit. The plan offers various benefits which are in addition to the benefits offered in Kotak Health in your total plan. Salient Features of the plan are as follows:

• Compassionate Visit: Compassionate Visit pays for the cost incurred by an immediate relative of the insured in traveling from the place of residence to the hospital.

• Maternity benefit: Medical expenses for the delivery of a child are also covered. It also covers expenses for the lawful termination of a child. A maximum of two deliveries is available across all policy years. Maternity benefit has a waiting period of three years during which no benefit would be payable.

• Newborn Baby Cover: All the medical expenses incurred on your newborn baby would also be covered after a waiting period of three years.

• Vaccination Expenses: Vaccination expenses for your newborn baby from childbirth till the child attains two years are also covered only if you take the maternity benefit, newborn baby cover, and vaccination cover together.

Kotak Health Premier- Edge:

Kotak Health Premier Edge is one of the three variants of Health Premier. The plan provides an extensive range of covers which includes the covers mentioned in Health Premier Elite and Total plan. Other highlights are:

• Air Ambulance Cover: You might need to travel from one city to another for medical treatment in emergencies. Your health plan covers the expenses for ambulance transportation in a helicopter or airplane for life-threatening or other emergencies.

• Critical Illness Cover: Critical Illness covers pay a lump sum if the insured is diagnosed with a covered critical illness. The benefit would be payable over and above the sum insured in the plan. Health Premier Edge covers 18 critical illnesses listed in the policy document.

• Personal Accident Cover: Personal Accident Cover includes accidental death or permanent total disablement suffered by the insured. A lump sum amount would be payable which is above the base sum insured in the plan.