Health Insurance Premium Calculator
A comprehensive health insurance to protect you & your family
Instant policy issuance with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
11200+
Cashless Hospital Network
Jet-speed settlement
Claims
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Claim Settlement Ratio
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Note: The above data is till 30th Sep, 2024
What is Health Insurance Calculator?
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
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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.
Benefits of Health Insurance Calculator
Choosing the best health insurance policy in India can be very easy if you have the proper guidance right from the start. Using the online health insurance calculator is one of the mediums to make the entire policy buying process hassle-free, especially when it comes to assessing the premium cost. So, below are some of the benefits of a health insurance calculator:
The tool helps you select the right health insurance policy that meets your requirements and fits your budget
The easy-to-use health insurance premium calculator provides accurate results in a few minutes, thus saving time and energy
The health insurance premium calculator tool helps you determine the exact premium cost you would incur for a health plan so that you can plan your finances in a better way.
In case you select any add-on health, the online tool helps you assess the additional premium cost
It is a great tool to be aware of the health insurance premium liabilities, which are often complex to understand.
How to use Health Insurance Calculator?
Using the health insurance calculator is time-saving, easy and convenient. Simply follow the below steps to know if a policy suits your budget:
Select from the various Zurich Kotak Health Insurance plans
Enter the birth date details of the member /s you wish to insure
Select the sum insured amount that you think will provide adequate health cover based on your financial requirements.
Enter your basic details such as mobile number, email id, etc.
Specify any existing medical condition in order to calculate the premium amount
Get a quote
Health insurance policy calculator
It is advisable to gain information about the premium payable on health insurance before zeroing in on it. A medical insurance premium calculator will come in handy for this purpose.
We offer two health insurance policies—Critical Illness Cover with Secure Shield and Comprehensive Health Insurance Plan . We also have a policy calculator that will provide a quote based on the applicant’s personal details.
This health insurance premium calculator will require you to provide information about the individual you seek to purchase a cover for. It should include the age of the applicant and the amount you wish to insure. If you are purchasing the policy for a number of members of your family, you will have to furnish information about all of them. Also, specify any existing medical condition in order to calculate the premium amount.
Family health insurance premium calculator
A family health insurance premium calculator is used for selecting a comprehensive health insurance plan. It is suitable for separate policies for multiple family members, as well as, an entire family together under one policy. Details about the age of every member should be provided in addition to the insurance amount. Based on the given information, you will be able to calculate the amount of premium payable for the policy.
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
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
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How is health insurance premium calculated
Let's talk about how health insurance premiums are calculated
How to calculate health insurance premium online?
Zurich Kotak General Insurance allows you to calculate your health insurance premium online. The process is simple and requires some simple steps. You can use the premium calculator to check the premium online.
Here’s how you can calculate your health insurance premium online
Open the premium calculator and furnish your details.
The details include the following:
Your age
The premium depends on the age. Higher the age, higher would be the premium and vice-versa.
Number of members to be covered
If you are buying the policy for your whole family, you would have to enter the number of members to be covered and the age of each member.
Type of policy
In the case of covering family members, specify whether you want to buy the policy on an individual basis or a family floater basis. The premium is different for both these bases.
The sum insured
Choose the sum insured that you want to opt for. The sum insured determines the premium. The higher the sum insured the higher would be the premium and vice-versa.
Policy tenure
Health insurance plans allow longer coverage tenures going up to 3 years. The term of the policy would also determine the premium payable.
Optional covers
If there are optional covers under the plan and you want to add such covers with your base policy, you should specify them as well. Each optional cover has an additional premium. Based on the optional covers chosen, the premium would be determined.
Applicable discounts
If the plan offers premium discounts and you are eligible for the same, you can choose the discounts to reduce the overall premium outgo.
Based on the details given, the calculator would show the premium payable.
Factors that influence health insurance premium
The insurance premium for any health-related issues depends on several factors. The most significant ones include the following:
Advantages of renewing Health Insurance online
Here's why online health insurance renewal is a win for you
How to file a Health Insurance claim at Zurich Kotak General Insurance
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/
List of documents required for Health Insurance claim reimbursement
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
Zurich Kotak General Insurance cashless network hospitals
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.
Health Insurance terms you need to know about
There's always more to know about health Insurance
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.
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.
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.
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Understanding the Importance of Premiums in Selecting a Medical Insurance Policy
Last Updated on:
02 Sep 2024
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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.