Zurich Kotak (Formerly known as Kotak) Health Insurance
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Overview of Zurich Kotak (formerly known as Kotak) Health Insurance
Zurich Kotak (formerly known as Kotak) Health Insurance is the health insurance segment of the Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak General Insurance Company Limited). The company, which is a fully owned by the Zurich Kotak General Insurance Company (India) Limited, started its operations in November 2015. It offers multiple health plans in its portfolio that cover individuals and families against planned and emergency medical expenses.
The Zurich Kotak General Insurance Company (India) Limited comes with a quick and hassle-free claim process along with 24x7 customer assistance.
Zurich Kotak (formerly known as Kotak) Health Insurance Plans in Detail:
Health Premier Plan
The Zurich Kotak Health Premier plan provides comprehensive coverage to the insured against high-rising medical expenses. It comes with a sum insured ranging from Rs 25 lakh to Rs 2 crore.
Features & Benefits:
- In-patient treatment, domiciliary hospitalization and alternative treatment are covered
- Hospital daily cash, convalescence benefit and home nursing benefit are available
- Maternity expenses, including the cost of newborn baby treatment and vaccination, are covered
- 100% restoration of the sum insured is possible once in a year
- Annual health check-up is available
- 10% cumulative bonus is granted for every claim-free year
- Critical illness cover and personal accident cover are available as add-ons
Health Care Plan
The Health Care plan allows the insured to customize the coverage of the policy as per their health needs and budget. The plan is available for a sum insured of Rs 2 lakh to Rs 25 lakh and comes in two types – Excel and Premium.
Features & Benefits:
- Coverage for in-patient, pre-hospitalization and post-hospitalization are available
- Day care procedures and ambulance charges are covered
- Free health check-up facility is available every year
- 10% cumulative bonus for up to 50% is granted for every claim-free year
- Critical illness cover and double sum insured for accidental hospitalization are available as optional covers
- Option to add hospital daily cash, convalescence benefit, room rent capping and donor expenses to the policy is also available
Health Super Top-Up Plan
The Health Super Top-up plan covers the medical expenses of the insured when the sum insured limit of the base policy gets exhausted. The plan comes with an in-built deductible ranging from Rs 2 lakh to Rs 10 lakh with a sum insured amount ranging from Rs 3 lakh to Rs 40 lakh.
Features & Benefits:
- In-patient treatment and alternative treatment are covered
- Both pre-hospitalization and post-hospitalization expenses cover are available
- Organ donor expenses and ambulance charges are also payable
- Double sum insured is paid for accidental hospitalization
- 100% restoration of the sum insured is possible once in a year
- 10% cumulative bonus for up to 50% is granted for every claim-free year
Secure Shield Plan
The Secure Shield is a critical illness insurance designed to cover the insured against 18 critical illnesses and procedures. The plan is available for a sum insured of Rs 5 lakh and Rs 10 lakh.
Features & Benefits:
- Lump sum payment is paid on the diagnosis of the critical disease
- Coverage for accidental death and permanent total disability are available
- Child education benefit and loss of job benefits are also available
Accident Care Plan
Accident Care is a personal accident insurance plan that provides financial support in case the insured meets with an accident.
Features & Benefits:
- Accidental death and permanent total disablility are covered
- Coverage for permanent partial disablement and temporary total disablement are available
- Children’s education grant, carriage of the dead body, ambulance cover and funeral expenses are available as an add-on
- Option to add accidental hospitalization expenses, convalescence benefit and accidental hospital daily cash benefit is also available
COVID-19 Secure Plan
The COVID-19 Secure plan is a customized plan designed to cover the treatment cost of the COVID-19 disease.
Features & Benefits:
- Lump sum benefit is paid on the diagnosis of COVID-19
- Coverage for in-patient hospitalization expenses are available
- OPD benefit, ICU daily cash benefit, convalescence benefit and hospital daily cash benefit are available as optional covers
- Pre-post hospitalization expenses, ambulance cover and room rent capping are also available as optional covers
Why Should You Buy Zurich Kotak (formerly known as Kotak) Health Insurance Plans?
Take a look at the benefits of buying a Zurich Kotak (formerly known as Kotak) Health Insurance plan:
- Annual Health Check-up – Policyholders can also avail free health check-up facilities every year under some plans, such as Health Premier and Health Care.
- 24x7 Customer Assistance – The Zurich Kotak General Insurance Company (India) Limited is equipped with an efficient customer care team, which is available round the clock to assist all the customers.
- Fast & Hassle-free Claim Process – The insurance company comes with a super-fast claim process, which provides a hassle-free experience to the customers
- Tax Benefits – The Zurich Kotak (formerly known as Kotak) Health Insurance premium can be claimed for tax deductions under section 80D of the Income Tax Act.
How to File a Claim with a Zurich Kotak (formerly known as Kotak) Health Insurance Plan?
Here is a step-by-step procedure to file a Zurich Kotak (formerly known as Kotak) Health Insurance claim:
1
Go to the Cashless Helpdesk
Visit the cashless helpdesk of your network hospital at least 48 hours in advance of your planned hospitalization. In case of an emergency, notify the helpdesk within 24 hours of getting hospitalized.
2
Fill up and Submit the Pre-Authorization Form
Fill up the pre-authorization form available at the helpdesk and submit it along with a valid photo id proof and medical documents.
3
Application Review
Zurich Kotak General Insurance Company (India) Limited will review your cashless treatment application and will approve it as per your policy terms & conditions
4
Payment of Claim
Once your treatment is complete, the insurer will pay the entire bill to the network hospital directly.
For reimbursement claims, intimate the insurance company about your hospitalization and pay the full hospital bill at the time of getting discharged. Submit all the required documents to the insurance company within 30 days of being discharged from the hospital. The insurer will verify the documents and will pay you the claim amount within 15 days.
Documents Required for Zurich Kotak (formerly known as Kotak) Health Insurance Claim
Check out the list of documents required to raise a cashless claim with Zurich Kotak (formerly known as Kotak) Health Insurance:
- Duly filled Zurich Kotak (formerly known as Kotak) Health Insurance claim form
- Treatment papers, specifying the first symptoms and date of disease occurrence
- Hospital discharge card
- Original bill for medical investigations supported by prescriptions
- Original medical investigation reports
- Original hospital bills and payment receipts
- Original medicine bills supported by prescriptions
- Cancelled cheque of the policyholder
- Photo id of the policyholder for KYC
Zurich Kotak (formerly known as Kotak) Health Insurance Network Hospitals
Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak General Insurance Company Limited) provides cashless treatment facilities to all its customers at several network hospitals spread across India. Take a look at the list of Zurich Kotak (formerly known as Kotak) Health Insurance network hospitals in different cities:
How to Buy Zurich Kotak (formerly known as Kotak) Health Insurance Plans?
Here is the procedure for buying a Zurich Kotak (formerly known as Kotak) Health Insurance plan online:
Step 1: Go to the website of Policybazaar Insurance Brokers Private Limited and click on the ‘Health Insurance’ icon
Step 2: Select the people to be insured and fill in the age
Step 3: Enter the additional details required, such as the name, gender, city, phone number, etc.
Step 4: Choose if you have any existing medical history
Step 5: Pick the preferred Zurich Kotak health insurance plan and pay its premium online
Step 6: The insurance company will issue your policy document after receiving the payment.
How to Renew Zurich Kotak (formerly known as Kotak) Health Insurance Plans?
Given below are the steps to renew a Zurich Kotak (formerly known as Kotak) Health Insurance plan online:
Step 1: Log in to Policybazaar.com and select ‘Health Renewal’ from the ‘Renew Your Policy’ dropdown menu
Step 2: Fill in your mobile number and the OTP received
Step 3: If you are a first-time Policybazaar user, you can select the ‘Health Insurance’ icon on the homepage
Step 4: Provide the requested details and choose the Zurich Kotak (formerly known as Kotak) Health Insurance plan for renewal
Step 5: Pay the renewal premium amount online
Step 6: Zurich Kotak General Insurance Company (India) Limited will renew your policy.
How to Calculate Zurich Kotak (formerly known as Kotak) Health Insurance Premium?
The best way to calculate the premium of a Zurich Kotak health insurance policy is by using a health insurance premium calculator that requires details like the city, sum insured, etc. Use the Zurich Kotak (formerly known as Kotak) Health Insurance premium calculator online to estimate the premium of a health insurance plan.
Contact Details of Zurich Kotak (formerly known as Kotak) Health Insurance
Check out the contact details of Zurich Kotak General Insurance Company (India) Limited:
| Categories | Contact Details |
| Toll-free No | 1800-266-4545 |
| Phone No for Overseas Customers | 022 6124 9600 |
| Email Id | care@zurich kotak.com |
Zurich Kotak (formerly known as Kotak) Health Insurance FAQs
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Q1: What is the claim settlement ratio of Zurich Kotak (formerly known as Kotak) Health Insurance?
Ans: Zurich Kotak (formerly known as Kotak) Health Insurance enjoys a claim settlement ratio of 97%.
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Q2. How can I check the premium of a Zurich Kotak (formerly known as Kotak) Health Insurance plan?
Ans: You can take a look at the Zurich Kotak health insurance premium chart to know the premium of a health plan. Alternatively, you can also use a Zurich Kotak (formerly known as Kotak) Health Insurance premium calculator on Policybazaar.com to know the estimated premium that you will have to pay for a policy.
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Q3. Where can I get a Zurich Kotak (formerly known as Kotak) Health Insurance hospital list?
Ans: You can get the Zurich Kotak (formerly known as Kotak) Health Insurance hospital list for cashless treatments with your health insurance policy document provided by your insurer. You can also get a city-wise list of network hospitals of Zurich Kotak General Insurance Company (India) Limited at Policybazaar.com.
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Q4. How can I know my Zurich Kotak (formerly known as Kotak) Health Insurance policy status?
Ans: You can get in touch with the Zurich Kotak (formerly known as Kotak) Health Insurance customer care team to know the status of your policy. In case you have purchased the health plan from Policybazaar.com, you can contact them to know the current status of your policy.
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Q5. What is the process for Zurich Kotak (formerly known as Kotak) Health Insurance policy download?
Ans: You can download your Zurich Kotak (formerly known as Kotak) Health Insurance policy by logging in to the website of your insurance company. You can also download it by logging into Policybazaar.com if you bought your policy from them.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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