Zurich Kotak LiveWise Plan

Zurich Kotak LiveWise Plan

Zurich Kotak LiveWise plan provides comprehensive medical coverage for people of all ages to access the best healthcare facilities. It offers double sum insured for hospitalization and day care procedures with the Double Cover benefit as well as unlimited restoration of the sum insured. The plan also provides unlimited teleconsultations and covers the cost of annual health check-ups.

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This Zurich Kotak health insurance plan offers value-added services, allowing policyholders to opt for dental benefit, OPD benefit, maternity benefit, or Get Fit benefit. Moreover, consumables cover, and air ambulance cover are also available under this plan.

Zurich Kotak LiveWise Plan: Key Highlights

Benefits of Zurich Kotak LiveWise Plan

Check out some essential Zurich Kotak LiveWise plan benefits:

1. Unlimited Restoration of the Sum Insured

   With the restoration benefit, the sum insured amount can be restored to the original coverage amount unlimited times a year in case of complete exhaustion.

2. Double Sum Insured

   Policyholders can utilize an additional coverage amount for up to 100% of the sum insured for in-patient hospitalization and day care treatment expenses with the Double Cover benefit. However, this benefit is available as an optional cover.

3. Value Added Services

   Zurich Kotak General Insurance Company (India) offers specific value-added services through its mobile application or health portal that policyholders can opt for. These services include dental benefit, maternity benefit, OPD benefit and Get Fit benefit. However, this benefit is available as an optional cover.

4. Annual Health Check-ups

   This Zurich Kotak health insurance policy allows the insured to avail annual health check-ups on a cashless basis at any network service provider of the insurer. However, this benefit is available as an optional cover.

5. Unlimited E-Consultations

   Policyholders can avail e-consultations from any general physician from the insurer's network with this health insurance policy.

6. No Room Rent Limit

   The Zurich Kotak LiveWise policy comes with no restriction on the hospital room category, allowing people to stay in any hospital room of their choice.

7. Wellness Discount

   Zurich Kotak General Insurance Company (India) offers a wellness discount of up to 30% if the insured completes a daily target of 10,000 steps for more than 270 days. As part of this wellness benefit, the insured can also access digital fitness & artificial intelligence fitness coaching along with a nutrition/wellness coach.

8. Cumulative Bonus

   If no claim is filed in the previous year, the insurance company will enhance the policy sum insured by 50% for up to 100% at no additional cost.

9. Access to Health Services

   Under this mediclaim insurance policy, policyholders can access various health services, including chat services with doctors, digital lockers for medical records, healthy tips reminders and discounts on doctor consultations, maternity expenses and diagnostic tests.

10. Tax Benefits

    Policyholders can claim tax deductions on the premium paid to buy the Zurich Kotak LiveWise policy under Section 80D, Income Tax Act.

Zurich Kotak LiveWise Plan Eligibility Criteria

Here is the eligibility criteria to purchase a Zurich Kotak LiveWise plan:

Inclusions of Zurich Kotak LiveWise Plan

Zurich Kotak LiveWise plan includes the following coverage:

• In-patient Treatment – It covers the cost of hospitalization of more than 24 hours, including hospital room rent, OT charges, ICU charges, doctor's fees, etc.
• Day Care Treatment – It pays for all day care treatments and surgeries that do not require hospitalization for 24 hours.
• Modern Treatments – It covers the medical expenses incurred on obtaining 12 modern treatments, including immunotherapy, stem cell therapy and deep brain stimulation.
• Pre-Hospitalization Medical Expenses – It pays for the medical costs incurred for up to 60 days before getting admitted to a hospital.
• Post-Hospitalization Medical Expenses – It covers the medical costs incurred for up to 180 days after getting discharged from the hospital.
• AYUSH Treatment – It pays for the hospitalization and day care procedures availed through the AYUSH system of medicines.
• Domiciliary Hospitalization – It covers the cost of availing medical treatments at home through domiciliary hospitalization on doctor's advice if hospital admission is not possible.
• Organ Donor Cover – It pays for the in-patient hospitalization expenses of the donor resulting from harvesting the donated organ for the transplant surgery of the insured.
• Road Ambulance Cover – It covers the cost of availing road ambulance services to transport the insured to the hospital during medical emergencies.
• Unlimited E-Consultations – It allows the insured to avail teleconsultations with a physician unlimited times a year via voice call, chat, video call, and email.

Optional Covers:

• Annual Health Check-ups – It allows the insured to undergo preventive health check-ups every year on a cashless basis at a network service provider of the insurance company.
• Double Cover – It pays an additional coverage amount equal to 100% of the sum insured to cover in-patient hospitalization and day care treatment expenses in case the original amount has been fully exhausted.
• Cumulative Bonus Booster – It enhances the cumulative bonus by increasing the sum insured by 100% for up to 500% on every claim-free year.
• Consumables Cover – It covers the cost of non-medical items or consumables, such as gloves, syringes, cotton, diapers, etc., availed during hospitalization.
• Value Added Services – It allows the policyholder to opt for any value-added services, such as OPD benefit, maternity benefit, Get Fit benefit and dental benefit, through the insurer's health portal or mobile application.
• Wellness Benefit – It offers a host of wellness benefits to the insured, including a wellness discount of up to 30% on achieving the step target and access to a nutrition/wellness coach, digital fitness coaching and artificial intelligence fitness coaching.
• Air Ambulance Cover – It pays for the cost of availing ambulance services through a helicopter or aeroplane to transport the insured to a hospital during medical emergencies.
• Pre-existing Diseases Waiting Period Modification – This reduces the waiting period for pre-existing diseases from 3 years to 2 years or 1 year.
• Specified Disease/Procedure Waiting Period Modification – It modifies the waiting period for specified diseases/procedures from 2 years to 1 year.
• Smart Select – It offers a discount on premium if the policyholder agrees to get admitted only at a hospital listed under the Smart Select network. If the insured gets hospitalized in a hospital outside the network, a co-payment of 20% will be levied.
• Room Category Modification – It offers a discount on premium if the insured voluntarily restricts the hospital room category to a shared room or single private AC room.
• Deductible – It allows the policyholder to earn a premium discount by voluntarily opting for a deductible of ₹25,000 to ₹10 lakh.
• Voluntary Co-payment – It offers a premium discount if the policyholder voluntarily agrees to pay a co-payment of 10% to 50% on all claims.
  Discover more on this topic: What is Copay in Health Insurance

Exclusions of Zurich Kotak LiveWise Plan

The following expenses are excluded by the Zurich Kotak LiveWise plan:

• Obesity and weight-control treatments
• Treatment for alcoholism or drug addiction
• Dietary supplements and substances
• Sterility and infertility
• Injuries due to participation in adventure sports
• Self-inflicted injuries
• Plastic or cosmetic surgery
• External congenital anomaly
• Unproven treatments

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