Kotak Health Insurance Plans

This is a personal accident insurance policy which covers the contingencies which are suffered in an accident.The salient features of the policy are as follows

1. The coverage is divided into two different sections of A and B
   • Section A covers accidental death, permanent total and partial disablement and temporary total disablement
   • Section B covers other accident-related emergencies. The coverage is allowed for daily cash benefit in case of hospitalisation following an accident, reimbursement of hospitalisation accident and a lump sum convalescence benefit if your hospitalisation exceeds 10 days
2. There is a range of optional coverage benefits which can be taken under the plan by paying an additional premium.These benefits are carriage of a dead body, disablement improvement benefit, children’s education grant, ambulance charges and funeral costs
3. A weekly benefit is paid in case of temporary total disablements

This is a health insurance plan which covers your medical expenses on hospitalisation and comes in two coverage variants.The salient features of the plan are as follows

1. There are two plan variants called Excel and Premium
2. Annual health check-ups are allowed under the plan free of cost
3. There are five types of optional add-ons which you can choose from to customise the coverage and make it more comprehensive
4. You get a premium discount if you choose a long term coverage

This is a comprehensive health insurance plan which covers the actual medical expenses that are incurred on hospitalisation.The features of the plan are as follows

1. If the sum insured is used up in paying an earlier claim, the policy restores the sum insured by 100% for subsequent claims
2. Free annual health check-ups are allowed under the plan
3. You can avail a second medical opinion free of cost from the company’s empanelled medical practitioners
4. If hospitalisation exceeds 3 continuous days, you also get a daily allowance per day of hospitalisation
5. A lump sum convalescence benefit is paid if you are hospitalised for more than 10 days
6. Coverage for home nursing benefit is available after you are discharged from the hospitalMaternity and newborn baby cover are also covered under the plan
7. There are riders available under the policy to cover critical illnesses or accidental contingencies
8. You get a range of wellness and fitness benefits under the cover
9. Premium discounts are also available which help in lowering the premiums