userThe Kotak Health Premier Plan is a comprehensive health insurance policy designed to provide extensive coverage for individuals and families. It offers a range of benefits to ensure financial protection against medical expenses.
Key Features
- In-Patient Treatment: Coverage for medical expenses such as room rent, ICU charges, operation theatre fees, and doctor’s fees arising from a minimum of 24 hours of hospitalization.
- Day Care Treatment: Coverage for medical expenses related to 405 named daycare surgeries and procedures that require less than 24 hours of hospitalization.
- Pre and Post-Hospitalization: Coverage for medical expenses incurred before and after hospitalization, with durations based on the plan opted.
- Ambulance Cover: Coverage for ambulance expenses for transportation to the hospital in case of an emergency, up to ₹20,000 per year.
- Organ Donor Cover: Coverage for the donor’s in-patient hospitalization expenses in case of an organ transplant.
- Alternative Treatment: Coverage for in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems.
- Domiciliary Hospitalization: Coverage for medical expenses for treatment taken at home on the advice of a medical practitioner.
- Annual Health Check-Up: One free health check-up for each insured person above 18 years of age for specified tests.
- Restoration Benefit: 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.
- Cumulative Bonus: 10% of the base sum insured, up to a maximum of 100%, for each claim-free year. There is no reduction in case of a claim.
- Second E-Opinion Cover: Facilitation to avail a second e-opinion on medical conditions occurring during the policy period.
- Health & Rewards: Access to benefits like doctor’s appointments, online pharmacy, diagnostic tests, and other health/wellness offerings.
- Cataract Surgery Benefit: Up to 10% of the base sum insured, with a maximum of ₹1,00,000 per eye per policy period.
Sum Insured Options
The Kotak Health Premier Plan offers sum insured options ranging from ₹2 lakh to ₹2 crore, allowing policyholders to choose coverage that best fits their needs.
Eligibility
- Entry Age: Minimum 91 days, maximum 25 years.
- Policy Type: Individual and Family Health Insurance.
Additional Benefits
- Hospital Daily Cash: Pays a specified daily cash amount from day one if hospitalization extends for at least 3 consecutive days.
- Convalescence Benefit: Pays a lump sum specified amount if hospitalization exceeds a minimum period of 10 consecutive days.
- Home Nursing Benefit: Pays for the services of a qualified nurse at the residence of the insured after discharge from the hospital.
- Daily Cash for Accompanying an Insured Child: Pays a specified daily cash amount from day one if the hospitalization of an insured child extends for at least 3 consecutive days.
- Compassionate Visit: Pays for the cost of return journey of the insured’s immediate relative from place of residence to the hospital.
- Air Ambulance Cover: Covers expenses for ambulance transportation in an airplane or helicopter for emergency life-threatening situations.
Optional Covers
- Maternity Benefit: Covers medical expenses for the delivery of the insured’s child or lawful termination of pregnancy. Cover is available for 2 deliveries across all policy years. Pre and post-natal expenses are covered.
- New Born Baby Cover: Covers medical expenses incurred on the insured’s newborn baby.
- Vaccination Expenses: Covers vaccination expenses incurred on the newborn baby from birth till the baby completes 2 years.
- Critical Illness Cover: Provides coverage for specified critical illnesses.
For more detailed information or to purchase the Kotak Health Premier Plan, you can visit the official website
If you have specific questions or need assistance in selecting the right plan, feel free to ask!
Rahul Khanna
