A comprehensive health insurance to protect you & your family
Instant policy issuance with zero paper-work
Quick and hassle-free claim process
9450+
Cashless hospital network
Jet-speed settlement
Claims
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Note: The above data is till 1st April, 2024
Health insurance is a coverage which safeguards against the financial implications of a medical contingency. A health insurance policy usually covers the hospital and medical bills that you might incur in the case of a covered illness or accidental injury.
There are two main types of health insurance plans – indemnity and fixed benefit health plans. Indemnity plans pay the actual medical costs that you incur in the case of a sickness or injury. Fixed benefit plans, on the other hand, pay a lump sum benefit irrespective of the actual medical costs incurred.
Indemnity health insurance plans, also called mediclaim or medical insurance plans, are quite popular since they help you avail of cashless treatments without worrying about hospital bills, medical expenses etc.
Health insurance is your key to stay protected always. Know why it's a must-have
Increasing illnesses
Illnesses and diseases are on the rise. Diabetes, hypertension, heart-related ailments, lifestyle conditions, etc. have become a common occurrence. These might require frequent medical attention. Alternatively, if the illness continues, it can become severe and require advanced treatments. A medical insurance plan is, thus, necessary to prevent against the financial implication of rising illnesses
Expensive costs
Medical treatments and hospitalisation have become expensive. A small surgery can cost lakhs of rupees, and if the treatment is advanced, the medical bills might be financially draining. A medical insurance plan covers your medical expenses and allows access to quality healthcare. That is why it is a must.
Tax benefits
You can also receive tax benefits on the premiums paid for medical insurance plans. This advantage helps reduce your tax liability, allowing you to save money and protect your savings against medical emergencies. Know more reasons why you need to get medical insurance.
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See what makes our health insurance policies stand out!
The comprehensive health insurance policy, Health Premier allows a range of inbuilt and optional coverage features for complete protection.
The salient features of the plan are as follows –
Inbuilt coverage benefits include inpatient treatments, day-care treatments, pre and post hospitalisation expenses, domiciliary treatments, organ cover, ambulance charges, etc.
Optional coverage benefits include hospital daily cash, convalescence benefit, home nursing benefit, compassionate visit, air ambulance cover, maternity cover, critical illness cover, personal accident cover, etc. as per the plan opted.
10% cumulative bonus for every claim-free year. Moreover, the bonus does not reduce if you make a claim.
100% restoration of the base sum insured if your existing sum insured and cumulative bonus is used up on a previous claim. The restored sum insured will be applicable for an unrelated illness and its complications.
Get vaccination cover for the new born baby under the optional maternity benefit as per the sum insured opted.
Zurich Kotak offer significant savings for those who choose to include their loved ones in their health coverage. Additionally, there are special discounts for opting for a multi-year tenure and for being an existing customer.
Attractive reward points for a healthy lifestyle.
There are plan variants to suit your needs.
If the insured suffers from a critical illness covered under the policy, a lump sum benefit would be paid.
The plan allows coverage for accidental deaths and total disablements and pays a lump sum benefit in such cases too.
The child education benefit provides financial assistance for your child’s future in the event of the insured’s death or permanent total disability.
In the case of loss of job due to an illness or accidental injury, the plan covers your certain number of EMIs (as specified in the policy schedule, maximum up to three) falling due in respect of the loan to ease your financial burden.
A lump sum benefit is paid in the case of accidental death and permanent total disablement.
In the case of temporary disablement, a weekly benefit is paid.
The plan also allows other coverage benefits like the daily cash benefit in the case of accidental hospitalisation, reimbursement for accidental hospitalisation expenses and convalescence benefit.
A range of extensive benefits are available for a wider scope of coverage. Some of them include children’s education grant, ambulance charges, funeral expenses extension, etc.
Choose from a tenure ranging from 1 to 3 years.
Lifelong renewals for continued coverage.
Coverage for most medical expenses that you might incur like inpatient treatments, pre and post hospitalisation expenses, day-care treatments, organ donor cover, alternative treatments, etc.
Enjoy the sum assured restoration benefit which restores the sum assured if the sum insured and cumulative bonus has been used up on a previous claim.
Get double the sum assured in the case of accidental hospitalisations.
10% additional sum assured as cumulative bonus if you don’t make claims.
Family floater cover is available for your whole family.
Choose from a long-term policy tenure going up to 3 years.
Inbuilt coverage benefits include inpatient treatments, day-care treatments, pre and post hospitalisation expenses, domiciliary treatments, organ cover, ambulance charges, etc.
Optional coverage benefits include hospital daily cash, convalescence benefit, home nursing benefit, compassionate visit, air ambulance cover, maternity cover, critical illness cover, personal accident cover, etc. as per the plan opted.
10% cumulative bonus for every claim-free year. Moreover, the bonus does not reduce if you make a claim.
100% restoration of the base sum insured if your existing sum insured and cumulative bonus is used up on a previous claim. The restored sum insured will be applicable for an unrelated illness and its complications.
Get vaccination cover for the new born baby under the optional maternity benefit as per the sum insured opted.
Zurich Kotak offer significant savings for those who choose to include their loved ones in their health coverage. Additionally, there are special discounts for opting for a multi-year tenure and for being an existing customer.
Attractive reward points for a healthy lifestyle.
There are plan variants to suit your needs.
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In-patient treatment
A minimum of 24 hours of hospitalisation will be covered including room rent, ICU charges, operation theatre charges, doctor’s fees, etc.
Day care treatment
Medical expenses which require less than 24 hours of hospitalisation will be covered. The complete list is available on our website www.zurichkotak.com.
Pre and post - hospitalization expenses
Pre and post-hospitalization expenses up to a specified number of days will be covered.
Restoration benefit
There will be a 100% restoration of the base sum insured and the cumulative bonus.
Cumulative bonus
A cumulative bonus can be earned up to 100% of the sum insured as per the plan without any reduction in case of a claim,
Annual health check-up
The policy includes one health check-up for each Insured person above 18 years regardless of any claim in the policy.
Second e-opinion cover
The policy will facilitate to avail of the second e-opinion on medical conditions multiple times occurring during the policy period.
Ambulance cover
The policy will cover ambulance expenses for transportation to the hospital in case of an emergency.
Organ donor cover
In-patient hospitalisation expenses of the donor in case of an organ transplant will be covered.
Alternative treatment
The policy covers in-patient medical expenses related to ayurveda, yoga and naturopathy, unani, sidha, and homeopathy systems.
Domiciliary hospitalisation
The policy covers medical expenses for treatment taken at home on the advice of the medical practitioner.
30 Day waiting period
Treatment expenses within 30 days are excluded, except for accident claims. Insured persons with over 12 months of continuous coverage are not excluded.
Specified disease / procedure waiting period
Covers specified medical expenses for 2 years from policy start (e.g. Hernia, Gout etc.)
Pre-existing disease waiting period
Pre-existing diseases not covered until plan's waiting period elapsed.
Permanent exclusions
Treatments permanently excluded: Alcoholism, drug/substance abuse, intentional self-injury, cosmetic surgery, unproven treatments, sterility/infertility.
A pre-policy medical check-up involves health check-up of the insured members to assess their current health risks. If you opt for a high sum insured or if you are considerably old in age, you might have to undergo pre-entrance health check-ups. Alternatively, if you declare an adverse medical condition, then also the medical check-up might be required.
The requirement of such check-ups depends on the underwriting guidelines of the insurance company. The test is conducted at the insurer’s networked diagnostic facility and the results are valid for 30 days. If you are eligible for a pre-policy medical check-up, the details of the medical tests and the diagnostic centre would be informed in advance.
Besides the waiting period, Zurich Kotak Health insurance plans do not allow coverage for the following instances –
Claims arising due to war, nuclear contamination, mutiny and related perils
Cosmetic treatments
Dental treatments, unless otherwise specified
Maternity treatments, unless otherwise covered as an inbuilt or an optional benefit
Self-inflicted injuries or attempted suicides
Illnesses or injuries suffered due to alcohol or drug addiction
Participation in hazardous or adventure sports and claims arising thereof
Participation in acts of criminal nature
Fraudulent claims, etc.
* For a complete list of permanent exclusions, please refer to the policy wordings
Product | UIN no. |
---|---|
Health Premier | ZUKHLIP23109V052223 |
Customise your coverage with our amazing add-ons - they're like bonus features for extra protection!
Home nursing benefit
Under this cover the cost of hiring a nurse is covered after you are discharged after treatment
Daily cash for accompanying an insured child
If an insured minor child is admitted to a hospital, the optional cover would pay a daily cash allowance for the accompanying adult
Compassionate visit
The cost of return journey is paid for an immediate family member/ relative for travelling to the hospital where the insured person is hospitalised
Critical illness cover (available for age 18 years and above)
The optional cover has a list of 18 illnesses. If the insured suffers any of the covered illness, a lump sum benefit is paid
Personal accident cover
It covers accidental death and permanent total disability. In either of these occurrences, a lump sum benefit is paid.
Cap on room rent
If you choose a capping on room rent, you can claim a premium discount.
Compassionate visit
The cost of return journey is paid for an immediate family member/ relative for travelling to the hospital where the insured person is hospitalized.
Maternity benefit* (with 3 years waiting period)
This optional cover allows coverage for maternity-related expenses incurred on childbirth and pre and post-natal care.
Newborn baby cover* (with 3 year waiting period)
Medical expenses incurred on the hospitalization of the insured person’s new born baby is covered.
Vaccination expenses* (with 3 year waiting period)
The vaccination expenses of the new born baby are covered under the maternity benefit as per the sum insured opted.
Air ambulance cover
The add-on covers the cost of hiring an air ambulance for hospitalisations.
Critical illness cover (available for age 18 years and above)
The optional cover has a list of 18 illnesses. If the insured suffers any of the covered illness, a lump sum benefit is paid.
Personal accident cover
It covers accidental death and permanent total disability. In either of these occurrences, a lump sum benefit is paid.
Experience seamless protection and security with us
Zurich Kotak General Insurance offers a range of online health insurance plans to match your coverage needs. The plans are comprehensive in their scope of coverage and are available at affordable premiums. Here are some reasons why you can choose Zurich Kotak General Insurance for buying an online health insurance policy.
A trusted name
Zurich Kotak General Insurance is a part of the Zurich Insurance Group (Zurich) which has more than 150 years of experience in the industry, serving people and businesses in more than 200 countries and territories.
24/7 assistance
You might need assistance in buying a suitable health plan or at the time of claims. Zurich Kotak offers round-the-clock assistance for all your queries and needs. You can connect with the company at your convenience and get the solution for your queries.
Quick claim settlements
Zurich Kotak has consistently settled customer claims to help you in times of need. Zurich Kotak Health insurance plans have a high claim settlement ratio which fosters trust in the company.
Lowest complaint ratio
Zurich Kotak keeps its customers at the forefront and seeks to solve their grievances at the earliest. That is why the company enjoys the lowest complaint ratio in the insurance industry.
Wide variety of health insurance products
Get comprehensive health insurance from Zurich Kotak. Choose from indemnity or fixed benefit plans for complete financial protection, including hospitalisation cover, super top-up health plans, personal accident health plans, and more.
Easy purchases
Easily purchase a Zurich Kotak Health insurance plan online or offline. Meet a representative or visit a branch for offline purchases, or visit the website, choose your plan, fill an online application, and pay premiums for online transactions.
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.
Hassle-free insurance at your fingertips with our easy and fast online process
It's time to make health your priority. Opt Health Premier Plan, which is a comprehensive health insurance plan that provides all-around protection in just a few steps. Apply for the health plan as listed below:
Click on the "Get a Quote" button on the Zurich Kotak Health Insurance Page.
Fill in your family details such as number of adults, number of kids, mobile number, etc.
Select the suitable plan
Make the payment online
Intimate claim
Quick verification
Instant settlement
Learn some savvy tips to avoid actions that raise your health insurance costs
There are different ways to save tax with health insurance policy. Have a look at
As mentioned earlier, a health insurance policy helps in saving taxes.
The premium paid towards the health plan can reduce your taxable income and, consequently, your tax liability.
You can pick an indemnity or a fixed-benefit health insurance plan and the premium would enjoy the aforementioned tax benefits.
Moreover, for the optional add-ons selected, the additional premium paid also qualifies for a deduction under Section 80D up to the specified limits. Know more about tax deductions on health insurance.
Here's why online health insurance renewal is a win for you
Filing a claim has never been this easy – we made sure of it
Take a pre-authorisation in case of a planned hospitalisation by informing us 48 hours prior to admission.
In case of unplanned hospitalisation, intimate us about your claim by calling 1800 266 4545 within 24 hours of admission.
Visit any of our network hospitals & use our Policy Certificate to avail cashless facility.
Intimate us by calling 1800 266 4545 immediately on hospitalisation.
Settle bills directly in the hospital & collect all relevant documents. Submit all original documents to us within 30 days of discharge.
List of applicable documents is available on our website: https://www.zurichkotak.com/
Get familiar with the documents needed for speedy claim process
Documents required for health insurance claim
There are certain documents which are required for health insurance claim reimbursement. These documents are as follows
Health insurance claim form
Pre-authorization claim form in the case of cashless claims
Diagnostic test reports
Original pharmacy bills
Original doctor’s reports, prescriptions and hospital records
Identity proof of the insured
Police FIR in the case of accidental claims
Discharge summary issued by the hospital after you are discharged
Any other document required by the insurance company
Bank details of the claimant in the case of reimbursement claims
Our cashless network hospital provides easy and smooth health insurance claim experience
Buying Zurich Kotak General Insurance’s health insurance gives access to cashless network hospitals which provides a quality healthcare facility from a wide range of hospital network that makes cashless or reimbursement claims a stress-free experience.
There's always more to know about health Insurance
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Your city, your coverage so you pick the right health insurance!
Of course, you may have more questions related to health insurance, so scroll down and find your question answered!
Medical/health insurance is an insurance policy designed to cover medical expenses arising due to unforeseen illnesses or injuries. The health insurance policy covers hospitalisation expenses and other medical costs that you might incur depending on the coverage offered under the plan.
There are different types of health insurance plans available in India. These include the following –
Arogya Sanjeevani Policy – This is a standardized health insurance policy issued in accordance with IRDAI guidelines. The policy offers affordable cover for the basic medical expenses that you might incur.
Indemnity health insurance – This policy covers the hospitalisation and other medical expenses that you incur. The policy has a wide scope of coverage and covers the specified medical costs that you have incurred up to specified limits.
Personal accident insurance – This policy covers accidental deaths and disablements. This is a fixed benefit policy which pays a lump sum benefit in claim.
Critical illness insurance – The policy covers specific illnesses and pays a lump sum benefit of the insured suffers from any covered illness.
Top up health insurance - This policy supplements an existing cover at affordable premium rates.
With the growing medical inflation, a robust health insurance plan for your family helps meet any medical exigencies. Apart from the coverage, health insurance plans also help in getting access to enhanced medical facilities without depleting your savings. Also know about the consequences of not having a health insurance plans.
Coverage under health insurance plans depend on the type of policy that you choose and the coverage that it provides. Health insurance plans at Zurich Kotak cover the following common healthcare expenses:
In-patient treatment costs
Day care treatments
Pre and post-hospitalization expenses
Ambulance cover
Free health check at any network provider
Organ donor treatments
Domiciliary treatments
AYUSH treatments
If you buy a health plan for your parents and pay the premium, the premium paid would qualify as a deduction under Section 80D. The limit of deduction is Rs.25,000 if your parents are below 60 years of age. For senior citizen parents, the limit increases to Rs.50,000.
You can enjoy umpteen benefits if you buy a health insurance plan at an early age. A few of the advantages are:
Lesser exclusions in a health insurance policy:
Health insurance companies impose exclusions on pre-existing illnesses or diseases that you have already suffered, which is likely to be less at a younger age. Thus, when you buy the plan young, you are likely to be healthy and enjoy a comprehensive scope of protection.
No health check-up:
Undergoing a health check-up might not be required if you are young.
Waiting out the waiting period
Health plans have different waiting periods for different illnesses. When you are young, you might be healthy. As such, you can wait out the waiting period so that when you might develop illnesses, the policy would allow coverage from Day 1.
Tax benefits
You can also enjoy tax benefits on the premium paid for the health plan and save taxes.
Know more about the tax benefits of health insurance
Here are a few factors that affect the health insurance premium:
Age – Higher the age, the higher is the insurance premium
Pre-existing illness- People suffering from pre-existing illnesses like blood pressure and diabetes need to pay higher premiums
Smoker or non-smoker- Individuals who smoke need to pay higher insurance premiums than Non-smokers
Sum assured – higher the sum assured, higher would be the premium payable
Policy tenure – if you choose long-term tenures and pay a lump sum premium, the premium would be higher. However, you might enjoy long-term discounts which would reduce the overall premium payable.
Add-ons selected – If you opt for optional add-ons and riders, the premium would be higher since each add-ons or optional cover requires an additional premium.
Available premium discounts – if there are premium discounts that you can claim, the premium would be lower.
If you are planning to do renewal of health insurance online, simply follow the below steps:
Select the health insurance policy to initiate the online renewal process
Enter the necessary details, including the policy number, mobile number, and date of birth, and click on 'Submit.'
Here’s the process for making a health insurance claim -
Cashless claim
To avail this facility, you need to ensure that the treatment is being taken at the empanelled hospital listed in the insurance policy document
Approach the hospital 48 hours prior to hospitalization
Produce the pre-hospitalization form along with an identity proof and medical documents at the cashless deck in the hospital
In case of an emergency, you need to visit the cashless deck at the hospital within 24 hours of hospitalization
Submit the ID proof along with the medical documents
Once the cashless claim is approved, you will be required to pay the deductibles.
Reimbursement claim
In case the hospital is not listed in-network list, you can opt for a reimbursement facility:
Get in touch with us at 1800 266 4545 or care@zurichkotak.com
Submit all the original hospital bills, and discharge documents along with the reimbursement claim.
Post verification, the claim will be settled within 15 days
Know about the various ways to make a health insurance claim
To select the right health insurance cover, here are a few things you should keep in mind:
Compare multiple health insurance policies to find a policy which offers the coverage features that you need and is comprehensive
Check for the cashless network hospitals – the wider the better
Check for the exclusions of the health policy – the lesser the better
Look for the claim settlement ratio – the higher the better
Pre-existing illness cover – check how soon pre-existing illnesses are getting covered. The sooner, the better
Know about add-on covers so that you can choose the relevant ones
Choose a trusted brand for a hassle-free claim experience
For instance, if you are searching for a health insurance that covers life-threatening diseases, then you can opt for Zurich Kotak Shield Secure to protect you and your family.
While buying the policy, the cost of the premium is often the most important thing you may evaluate. While calculating health insurance premiums, a lot of factors are taken into consideration; these include:
Age of the insured policyholder
Type of health plan
Sum assured
Lifestyle choices
Add-on covers
Pre-existing diseases
Family medical history
Number of family members being covered
Geographical location etc.
Yes. You have the flexibility to add more people to the existing health insurance policy. However, the health insurance premium also increases with the inclusion of a new member.
Children of any age can be included in the health insurance policy right from the day they are born. For instance, if you have purchased Zurich Kotak Heath Care Policy, you can include your child (up to 25 years) in the existing policy.
The requirement of a medical examination depends on your age, sum insured and the policy that you choose. Some plans might require a medical check-up while others might not. However, if you are older and/or if you are opting for a high sum insured, the medical examination usually becomes necessary before the coverage is granted.
If you or any member of your family is admitted to a non-network hospital, you can request the insurance company for reimbursement of the hospital expenses. Health insurance policyholders at Zurich Kotak General Insurance can initiate the process in the following way:
Call on 1800 266 4545 or mail us at care@zurichkotak.com
Collect the reimbursement form from the hospital
After the discharge, submit the claim form to the insurance company along with the original copy of hospital bills, discharge report & other payment receipts
Post verification, the insurance company may approve or disapprove the claim