Are you planning to buy Zurich Kotak Health Insurance policy ? Using this health insurance premium calculator tool, you can simplify your concerns about premium costs and find a health policy that fits your need budget. The Health Insurance Calculator is an online, free tool that estimates the premium payable for a health insurance plan. This will help you buy the best health insurance plan based on factors such as age, profession, gender, and family members, including medical history covered, among others. If you choose any add-on cover to enhance your existing health insurance, you can readily know the cost of the premium in an instant
We take your safety seriously
11200+ Cashless Hospital Network
Jet-speed settlement Claims
89% Claim Settlement Ratio
24/7 Around The Clock Assistance
Note: The above data is till 1st April, 2025
What is Health Insurance Calculator?
Why buy a medical insurance plan at an early age?
Zurich Kotak General Insurance enhances your health insurance with numerous additional benefits.
Early protection
Buy medical insurance early for coverage against unforeseen health issues. Even when young and healthy, unexpected illnesses or injuries, like during the COVID pandemic, can occur. Early purchase ensures coverage for medical expenses.
Financial security
Health insurance provides financial security, covering medical bills without impacting savings or monthly budgets. Early purchase ensures financial security from a young age, allowing you to plan for other goals without concerns about unforeseen medical expenses.
You can wait out the waiting period
Health insurance plans have waiting periods for specific illnesses. Purchasing early allows you to wait out these periods while you're young and less likely to be affected. This ensures complete protection when needed.
Enjoy tax benefits
Health insurance plans also allow tax benefits. You can reduce your tax liability by claiming a deduction on the health insurance premium paid. When you buy early, you can enjoy tax benefits from an early age for efficient tax planning.
Why buy a medical insurance plan at an early age?
Zurich Kotak General Insurance enhances your health insurance with numerous additional benefits.
Early protection
Buy medical insurance early for coverage against unforeseen health issues. Even when young and healthy, unexpected illnesses or injuries, like during the COVID pandemic, can occur. Early purchase ensures coverage for medical expenses.
Financial security
Health insurance provides financial security, covering medical bills without impacting savings or monthly budgets. Early purchase ensures financial security from a young age, allowing you to plan for other goals without concerns about unforeseen medical expenses.
You can wait out the waiting period
Health insurance plans have waiting periods for specific illnesses. Purchasing early allows you to wait out these periods while you're young and less likely to be affected. This ensures complete protection when needed.
Enjoy tax benefits
Health insurance plans also allow tax benefits. You can reduce your tax liability by claiming a deduction on the health insurance premium paid. When you buy early, you can enjoy tax benefits from an early age for efficient tax planning.
Steps to buy health insurance online from Zurich Kotak General Insurance
How to file a Health Insurance claim at Zurich Kotak General Insurance
1
Take a pre-authorisation in case of a planned hospitalisation by informing us 48 hours prior to admission.
2
In case of unplanned hospitalisation, intimate us about your claim by calling 1800-2120 within 24 hours of admission.
3
Visit any of our network hospitals & use our Policy Certificate to avail cashless facility.
1
Take a pre-authorisation in case of a planned hospitalisation by informing us 48 hours prior to admission.
2
In case of unplanned hospitalisation, intimate us about your claim by calling 1800-2120 within 24 hours of admission.
3
Visit any of our network hospitals & use our Policy Certificate to avail cashless facility.
Advantages of renewing Health Insurance online
Easy
Renewing online is easy. You simply have to visit the insurer’s website, enter your policy number and other verification details and check the policy status. Then you can choose the renewal option, pay the renewal premium and the policy would be renewed easily.
Instant
The online renewal process is instant. You don’t have to wait for hours or days. Just choose the policy details and pay the renewal premium online. The policy gets renewed without delay. This is particularly helpful if your health plan is near its expiry date as you don’t have to lapse the coverage with instant renewals.
Facility of comparison
On renewing online, you can compare the other health insurance plans and see which offers a comprehensive scope of coverage at competitive rates of premium. You can compare and switch to another policy if it offers better coverage at attractive rates.
You can check the coverage
The coverage details are available online. You can check the coverage of your previous plan, make changes, if required, and then renew it online.
Health Insurance terms you need to know about
Room rent limit
This is the maximum room rent that the health insurance policy would cover. The room rent limit may be different for normal hospitalisation and ICU admission.
Proportionate deduction
Exceeding the allowed room rent limit results in proportionate deduction. For instance, if the allowed limit is Rs.5000 and the room rent is Rs.10,000, a claim of Rs.25,000 (50% of the total) would be paid for a Rs.50,000 hospitalization claim.
Compulsory deductible
It is the amount you pay for each claim. It applies to certain coverage features, such as a waiting period before coverage for domiciliary hospitalization begins. Expenses in the initial 3 days serve as a compulsory deductible.
Consumables
Consumables are one-time use items whose cost is not usually covered under health insurance plans. Common examples include bandages, masks, gloves, etc.
Network Provider
The network of selected hospitals with which the insurance company has a tie-up. If you get admitted in any hospital within the network, you will get a cashless treatment.
Pre-existing illness/disease
A pre-existing illness/ disease is a medical condition that you already suffer from when you are buying a fresh health insurance policy. Common examples include diabetes, hypertension, asthma, etc.
Pre-policy medical check-up
A pre-policy medical check-up is a health check-up conducted before the health insurance policy is issued. Insurance companies ask for such check-ups if the insured’s age exceeds a preferred limit and/or you choose a higher sum insured.
Co-payment
Co-payment is a mandatory contribution; you pay a percentage of the claim (e.g., 20%) while the insurance covers the remainder. It's commonly used for seniors or treatments in higher-cost zones.
Sum insured restoration/recharge/ reinstatement
Certain health insurance policies offer a restoration feature, which reallocates the sum insured when it's exhausted by previous claims in a policy year. This is beneficial if you face multiple claims, ensuring coverage is restored for subsequent incidents.
Individual vs family floater policy
In an individual policy, each family member has an independent sum insured, unaffected by others' claims. In contrast, a family floater policy offers a shared sum insured for all members, but once one member claims, the coverage for others decreases accordingly.
Health Insurance - frequently asked questions
Of course, you may have more questions related to health insurance, so scroll down and find your question answered!
A health insurance calculator is a free online tool that provides an estimate of the premium payable for health insurance policy basis the information provided by you.
A health Insurance premium calculator assesses premium payable for the health insurance policy based on combination of factors such as - sun insured, person's age, gender, lifestyle and health, type of policy - individual or floater, etc.
To use health insurance premium calculator, click here .
Enter your preferred health insurance plan – family floater plan, Individual health insurance policy, or family individual insurance policy.
In case of family plans, you need to select the family members for whom you want the health insurance coverage and enter the age of each family member • In case of an individual plan, you only need to enter your age
The calculator will show you your assured amount
The next step is to enter details such as your phone number, email address, and the state to know the health insurance premium.
The benefits of using a health insurance calculator are:
It is easy to use and convenient
Calculates your premium amount instantly
Helps you know the premium before purchasing the policy
Allows you to compare the different health insurance plans
A few of the factors affecting health insurance premiums are:
Age
Medical History
Lifestyle
Smoker and Non-smoker
Pre-existing health conditions
Geographical location
To reduce the premium for a health insurance policy, consider the below factors:
Buy a health insurance policy at an early age
Choose sum assured that meets your requirement
Opt for higher deductibles
Choose top-ups plans
Yes, health insurance premium increases with your age, and it is a significant factor in affecting the health insurance premium. This is because the chances of health risks increase with age. Also, the medical expenses rise with healthcare, treatments, and surgeries. Ageing also brings with it a higher chance of getting critical illness such as cancer, heart problems, organ failures, etc.