Kotak Health Insurance Top up & Super Top Plans

Zurich Kotak (formerly known as Kotak Mahindra) Health Insurance Top Up Plan

Zurich Kotak (formerly known as Kotak Mahindra) Health Insurance Super Top-up policy offers additional health insurance cover over and above the basic health insurance plan. It works alongside your existing health plan and covers the expenses that go beyond your existing sum insured. Once the policy deductible amount is paid, the Zurich Kotak Super top-up policy covers the amount over and above the deductibles.

Moreover, the policy helps to enhance the base sum insured to be able to meet huge hospitalization expenses exceeding your current coverage amount. It might be a good option for people who want to save money and do not want to dip into their savings to protect their health.

Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

Zurich Kotak Health Super top-up policy offers higher sum insured options up to Rs 40 lakh. For instance, if you buy a Zurich Kotak Super Top-up plan of Rs 10 lakh and the deductible is Rs 3 lakh, and the hospital bill comes out to be Rs 10 lakh then the insurance company will pay off the amount over and above Rs 3 lakh i.e. Rs 7 lakh. The policy details features, benefits, inclusions and exclusions are given in detail below:

Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Eligibility Criteria

Eligibility Criteria	Specifications
Minimum Entry Age	18-years
Maximum Entry Age	80-years
Sum Insured	Rs 3 lakh to Rs 40 lakh
Aggregate Deductible	up to Rs 10 lakh
Waiting Period for Pre-existing Diseases	2 years

Key Features of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

The features and benefits under the Zurich Kotak Super Top-up Health Insurance plan are given below:

The Zurich Kotak Health Super top-up policy has a wide range of Sum insured options from Rs 3 lakh to Rs 40 lakh
The Zurich Kotak Health top-up policy has a wide range of deductible options up to Rs 10 lakh
In-patient care treatment charges are covered as well pre-hospitalization covered up to 30 days
Post-hospitalization expenses are covered up to 60 days
405 Daycare procedures are covered as well
The policy duration cover is 2 to 3 years
Restoration of the sum insured is provided during the policy term
The sum insured is doubled in case of accidental hospitalization
All types of room categories are covered in this policy

Inclusions of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

Zurich Kotak Health Super Top-up Health Insurance plan covers the following expenses:

Ambulance cover of up to Rs 2000 per hospitalization
Organ donor cover expenses are covered
Alternative treatment cover up to Rs 50,000
Alternative treatment cover is provided
Organ donor expenses are covered
Restoration of the sum insured is provided during the policy term
In-patient treatment expenses are covered as well
Daycare treatment expenses are covered
Ayush treatment expenses are covered in a hospital with a minimum of 5-beds
Pre-hospitalization medical expenses and Post-hospitalization medical expenses are covered
Double Sum Insured because of hospitalization in case of an Accident
A Cumulative Bonus of 5% to 50% is also provided

To know more about the policy details and premium chart you can also refer to the Zurich Kotak Health Top-up health plan brochure for details.

Exclusions of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

Zurich Kotak Health Super Top-up Health Insurance plan does not cover the following expenses:

Pre-existing diseases are not covered
HIV/AIDS treatment is not covered
Procedures and treatments such as routine health check-ups are not covered
Plastic, cosmetic or any other aesthetic surgery is not covered
Injury, illness or disease arising out of substance, drug or alcohol abuse
Any psychological illness or mental illness expenses
Congenital anomalies or diseases
Change of gender treatment expenses is not covered
Intentional self-injury, affliction, or suicidal attempts

*For a detailed list of exclusions, please refer to the policy document or the product brochure.

FAQs

Q1. What are the benefits of buying a Zurich Kotak (formerly known as Kotak Mahindra) Super top-up policy?

Ans: The major benefit of the Zurich Kotak super top-up policy is that it gives additional health cover at affordable premium rates. The policy remains in force with a base health insurance policy. Taking up this plan allows one to reduce the premium and enjoy a wider coverage at the same time. An initial expense is required to be paid, and that is known as a deductible. The deductible can be an expense paid by the applicant out of their pocket or covered under the existing health policy.

Once you pay the deductible amount, this plan comes into effect to pay the surplus amount. You can buy this plan even if you do not have base health insurance cover.
Q2. How many daycare medical procedures are covered under the Zurich Kotak (formerly known as Kotak Mahindra) Super top-up health plan?

Ans: Zurich Kotak Super top-up health plan covers 405 different day care procedures during the policy term.
Q3. What are the minimum hours required to qualify for in-patient expenses under the Zurich Kotak Super Top-up policy?

Ans: To file a claim under this policy the insured should remain hospitalized for a minimum of 24 hours.
Q4. What are the coverage benefits under the Zurich Kotak (formerly known as Kotak Mahindra) Super Top-up health insurance plan?
Ans: Some of the health insurance coverage options covered under this plan are given below:
- All the in-patient hospitalization expenses are payable
- Ambulance Cover- up to Rs 2000 per Hospitalization
- Donor Cover- All hospitalization expenses of the donor covered if the policyholder is getting an organ transplant
- Alternative Treatment- Treatments such as Ayurveda, Unani, etc. are covered to the tune of Rs 50,0000

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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

Zurich Kotak Health Insurance Plans

Zurich Kotak Group Health Insurance

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Zurich Kotak (formerly known as Kotak Mahindra) Health Insurance Top Up Plan

Zurich Kotak (formerly known as Kotak Mahindra) Health Insurance Top Up Plan

Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Eligibility Criteria

Key Features of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

Inclusions of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

Exclusions of Zurich Kotak (formerly known as Kotak Mahindra) Health Super Top-up Policy

FAQs

Q1. What are the benefits of buying a Zurich Kotak (formerly known as Kotak Mahindra) Super top-up policy?

Q2. How many daycare medical procedures are covered under the Zurich Kotak (formerly known as Kotak Mahindra) Super top-up health plan?

Q3. What are the minimum hours required to qualify for in-patient expenses under the Zurich Kotak Super Top-up policy?

Q4. What are the coverage benefits under the Zurich Kotak (formerly known as Kotak Mahindra) Super Top-up health insurance plan?

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