Kotak Health Insurance

In-patient Treatment 

Medical expenses such as doctor’s charges, room rent, operation theatre fees, ICU fees, etc., incurred during a minimum of 24 hours of hospitalisation are covered.  

Day Care Treatment 

Coverage for medical expenses paid for the 405 mentioned day care treatments that need fewer than 24 hours of hospitalisation.  

Cumulative Bonus

Earn a cumulative bonus of up to 50%/100% of the sum insured according to the plan chosen during a claim free year at a rate of 10% annually. If a claim is made, the Cumulative Bonus will not be reduced.

Pre- and post-hospitalisation Medical Charges 

Pre- and post-hospitalisation medical charges are covered for a specific number of days before and after discharge, depending on the plan chosen. 

Restoration Benefit 

If the Base Sum Insured and Cumulative Bonus are inadequate owing to past claims, the Base Sum Insured will be restored once every policy year. In the event of an accident, restoration will be available starting with the first claim.  

Yearly Health Check-up 

One free health check-up per insured person over the age of 18 years for selected tests will be offered. This will be provided irrespective of the policy's claims. 

Ambulance Cover 

During an emergency, ambulance charges will be covered. 

Alternative Treatment  

Alternative treatments like Yoga, Naturopathy, Ayurveda, Homeopathy, etc., are covered.  

Second E-Opinion Cover 

A second E-Opinion on a medical issue that arises within the policy term will be covered. This facility can be used multiple times during the policy term.  

Domiciliary Hospitalisation 

Medical costs involved in taking treatment at home on the recommendation of a physician are covered. 

Organ Donor Cover 

In the event of an organ transplant, the donor's in-patient hospitalisation fees are covered.  

Other Covers 

Hospital Daily cash, Home Nursing Benefit, Compassionate Visit, Air Ambulance Cover, Maternity Cover, Convalescence Benefit, Daily Cash for Accompanying an Insured Child.