Kotak Health Premier is a Comprehensive Health Insurance and is one the best insurance plans by Kotak General Insurance. Kotak Health Premier is a plan that allows its users to undergo medical procedures and treatments without experiencing any financial crisis. This policy comes with protection plus rewards and value added benefits to help you stay fit. The coverage of the plan includes in-patient treatment, daycare treatment, ambulance cover, restoration benefit, cumulative bonus, and so on.
Kotak General Insurance - Kotak Health Premier (Total)
| # | Product Name | Kotak Health Premier (Total) |
|---|---|---|
| 1 | Sum Insured options | 3/4/5/7.5/10/15/20/25/50/75/100/150/200 Lacs |
| 2 | People to be covered | Self, Spouse, Kids or Parents |
| 3 | Entry Age | 91 Days to 65 Yrs & 364 Days |
| 4 | Medical Test Required for | 56 Years and above only |
| 5 | Policy Period | 1 Year, 2 Year and 3 Year |
| 6 | Renewable upto | Lifetime |
| 7 | Pre and Post Hospitalisation | 60 Days & 90 Days for (SI 3L to 20L), 90 Days to 180 Days for (SL 25L to 2 Cr) |
| 8 | Room Rent Limit on Per Day Basis | No limit |
| 9 | Sub Limits on ICU Rent | Actuals (No Sublimit) |
| 10 | Day Care Proceedure | 405 Named Day Care Surgeries and Procedures (Cataract 10% of SI - Max INR 1L for each eye) |
| 11 | Road Ambulance Cover | Upto 20000/- (For SI 3L to 20L), Upto 50000/- (For SI 25L to 2Cr) |
| 12 | Organ Donor | Upto Base Sum Insured |
| 13 | Waiting Period (Days) | 30 Days |
| 14 | Waiting Period - Accident Cover (Days) | Zero |
| 15 | Waiting Period for specified Illnesses | 2 Years |
| 16 | Waiting Period for Pre-existing Illnesses | 4 Years |
| 17 | Co-Pay | No Co-pay |
| 18 | Restore Benefit | Automatic Restoration of Sum Insured |
| 19 | Annual Health Check Up | Every Year for all above 18 Years for Specified Test |
| 20 | No Claim Bonus | 10 % to 50 % (3 to 20L), 10 % to 100% (25L to 2Cr) |
| 21 | AYUSH Treatment | Upto Base Sum Insured |
| 22 | Domiciliary Hospitalization | Upto Base Sum Insured - Domiciliary Hospitalization should extend mininum 3 days and above |
| 23 | Maternity Benefit | Optional Cover |
| 24 | 2nd Medical Opinion | Available |