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The 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.
Rahul Khanna
