Zurich Kotak (Formerly known as Kotak) Health Insurance for Parents

Zurich Kotak (formerly known as Kotak) Health Insurance for Parents

Zurich Kotak Health Insurance Company (India) Limited (Formerly known as Kotak General Insurance Company Limited) introduces plans tailored for parents, focusing on providing comprehensive medical coverage for individuals aged above 50 years. These specialized insurance policies consider the healthcare needs that parents are more likely to encounter as they age. Zurich Kotak Health Insurance Company (India) Limited is committed to the well-being of parents, and offers coverage for medical expenses, and a range of benefits designed to support parents during their golden years. Among these benefits are annual health check-ups, emergency assistance services, and various other features to ensure the well-being of elderly parents through Zurich Kotak (formerly known as Kotak) Health Insurance.

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Zurich Kotak (formerly known as Kotak) Health Insurance Plans for Parents

Explore the range of Zurich Kotak (formerly known as Kotak) Health Insurance plans designed for parents

Eligibility Criteria for Zurich Kotak (formerly known as Kotak) Health Insurance for Parents

The following are the eligibility criteria to purchase Zurich Kotak (formerly known as Kotak) Health Insurance for parents:

Key Benefits of Zurich Kotak (formerly known as Kotak) Health Insurance for Parents

Take a closer look at the benefits that come with Zurich Kotak (formerly known as Kotak) Health Insurance for Parents:

• Coverage for Day Care Treatment: Medical expenses for 405-day care procedures requiring less than 24 hours of hospitalization are covered.
• In-patient Treatment Coverage: Medical expenses, including room rent, ICU charges, operation theatre charges, and doctor's fees, are covered for hospitalizations lasting a minimum of 24 hours.
• Pre and Post-Hospitalization Medical Expenses: Medical expenses incurred 30 days before and 60 days after hospitalization are covered.
• Restoration Benefit: A 100% restoration of the Base Sum Insured is offered once in a policy year if the Base Sum Insured and Cumulative Bonus prove insufficient due to prior claims.
• Second E-opinion Cover: Insured individuals can go for a second E-opinion regarding a medical condition arising during the policy period.
• Ambulance cover: The cost of transportation to the hospital following an emergency is covered.
• Organ Donor Cover: In-patient hospitalization expenses of the donor in case of an organ transplant are covered.
• Alternative Treatment: In-patient medical expenses related to alternative medical systems such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy are covered.
• Domiciliary Hospitalization: Medical expenses for home-based treatment recommended by a medical practitioner are covered.
• Free health check-up: One free health check-up per insured person above 18 years of age each policy year.
• Cumulative bonus: 10% bonus on base annual sum insured on renewal, up to a maximum of 50%.

Inclusions of Zurich Kotak (formerly known as Kotak) Health Insurance for Parents

Zurich Kotak (formerly known as Kotak) Health Insurance for parents encompasses the following coverage elements:

Optional Inclusions (Purchased as Add-ons)

Here is the list of add-on coverages you can opt for while buying Zurich Kotak (formerly known as Kotak) Health Insurance for parents:

• Restoration Benefit
• Annual Health Check-up
• Alternative Treatment
• Cumulative Bonus
• Hospital Daily Cash Benefit 
• Convalescence Benefit
• Home Nursing Benefit
• Daily Cash for Accompanying an Insured Child
• Compassionate Visit
• Air Ambulance Cover
• Double Sum Insured for Hospitalisation due to Accident
• Health & Rewards (Basis plan opted)
• Maternity Benefit
• New Born Baby Cover
• Vaccination Expenses

Exclusions of Zurich Kotak (formerly known as Kotak) Health Insurance for Parents

Zurich Kotak (formerly known as Kotak) Health Insurance for parents does not provide coverage for the following medical expenses:

• Expenses related to the treatment of any illness within 30 days from the first policy commencement date, except claims arising due to an accident
• Medical expenses incurred for certain specified illnesses or conditions like Hernia, Fissures/Fistula, Arthritis, Gout, etc. during the first 2 consecutive years of the commencement of the policy
• Routine health check-ups, dental treatments, cosmetic or plastic surgery, treatment for alcoholism, drug or substance abuse, and other specified illnesses, procedures, or treatments are permanently excluded from coverage
• Any Pre-Existing Disease will not be covered until the waiting period as per the plan opted for has elapsed
• Treatment for Alcoholism, drug or substance abuse
• Obesity and weight control treatments 
• Expenses related to sterility and infertility
• Claims related to breach of law with criminal intent

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