Health 360
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
22600+
Cashless hospital network
Jet-speed settlement
Claims
24/7
Around the clock assistance
Note: The above data is till 1st April, 2025
Benefits of health insurance
Health insurance is a policy that helps cover the cost of medical and surgical expenses for the insured person. In return for a regular premium paid to the insurer, the policy provides financial support for eligible healthcare needs. These typically include hospitalisation, surgeries, diagnostic tests, pre- and post-hospitalisation care, daycare procedures, and prescribed medicines, as defined in the policy terms.
The main purpose of health insurance is to reduce the financial burden of medical treatment. In India, even a single hospital stay can cost several lakh rupees, which can strain savings if paid entirely out of pocket. A health insurance policy ensures that such expenses are largely taken care of, allowing individuals and families to focus on recovery rather than costs.
Health insurance plans can be purchased online or through agents, and are available for individuals, families, and employee groups. With healthcare costs in India rising steadily by around 10% to 15% each year, having a health insurance policy is a sensible and necessary step for financial security at every stage of life.
Key features of Health 360
Other base covers of Health 360
Cumulative Bonus
50% increase in the Base Sum Insured for each renewal up to a maximum of 100%
Unlimited Restoration Benefit
Offers restoration up to base Sum Insured unlimited times. The restored sum insured can be utilised in respect of any illness (related as well as different) and its complications except for claim under “Any one Illness” condition.
Consumables Cover
Covers the cost of listed non-medical items incurred towards medically necessary hospitalization of the Insured.
Shared Accommodation Benefit
Provides daily cash benefit for each and every completed day of the Insured Person's hospitalisation in a shared accommodation/room
Annual Health Check-up
Includes one free annual health check-up at our network provider on cashless basis for specified tests.
Home Care Treatment
Covers medical expenses incurred for availing treatment at home for listed illnesses.
Premium Secure Benefit
Allows the customer to enjoy the benefit of continuing with the same premium as during policy inception until claim.
Health Services
Access to Health Portal for health-related information and services, and discounted OPD, diagnostics, pharmacy, etc. through network.
Unlimited E-consultations
Offers unlimited E-consultations with general physicians at our network
Wellness Program
Discount on renewal premium available to the Insured aged 18 years and above via mobile application/ health portal:
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Exclusions
Investigation & evaluation
Rest Cure, rehabilitation and respite care
Obesity/weight control
Change-of-gender treatments
Cosmetic or plastic surgery
Hazardous or adventure sports
Breach of law
Treatment at excluded providers
Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
Refractive error
Unproven treatments
Sterility and infertility
Maternity
Hormone replacement therapy
Alopecia wigs and/or toupee and all hair or hair fall treatment and products
Any charges incurred to procure documents related to treatment or Illness pertaining to any period of Hospitalization or Illness
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head or transportation charges by visiting consultant.
* For a complete list of permanent exclusions, please refer to the policy wordings
Product | UIN no. |
|---|---|
Health 360 | ZUKHLIP25038V012425 |
**Optional covers of Health 360
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
It will pay a specified daily cash amount from day one in case the hospitalization of an Insured child extends for at least 3 consecutive days.
Compassionate Visit
This benefit pays for the cost of return journey of Insured’s immediate relative from place of residence to hospital.
Critical Illness Cover
This is a benefit cover which provides lumpsum benefit in the event of happening of 18 listed critical illnesses. Benefit is available over and above the Base Sum Insured.
Personal Accident Cover
This is a Benefit cover which provides lumpsum benefit in the event of Accidental Death/ Permanent Total Disablement Benefit is available over and above the Base Sum Insured.
Cap on Room Rent*
Option for a capping of room rent and will be entitled for a discount in premium. Claim will be paid based on a rateable proportion based on the actual and eligible room rent.
Maternity Benefit
Covers medical expenses incurred for maternity, new born baby, and vaccination.
Convalescence Benefit
This benefit pays a lumpsum specified amount in case the hospitalization exceeds for a minimum period of 10 consecutive days.
Hospital Daily Cash
It will pay a specified daily cash amount from day one in case the hospitalization extends for at least 3 consecutive days.
Cumulative Bonus Booster
Insured will get 100% increase in premium for each claim free year upto 10 times of base sum insured.
Cash Bag
Get an amount equal to 10% of the premium to be paid on 1st Renewal and 5% thereafter on each renewal from 2nd renewal onwards for each claim-free year.
Smart Select
Avail 15% discount on premium for medical treatment in listed hospitals mentioned in Annexure III of Policy wordings. For other than listed Smart Select hospitals - with additional co-payment of 20% in case of claim.
Essential Equipment Cover
Covers the expenses incurred towards the cost of buying or renting of listed durable medical equipments during or after hospitalisation.
Room Category Modification
Avail discount by modifying room category to single private AC or shared room.
One Plus Benefit
Add your future spouse to the policy and waiting periods completed by you will be passed on to your future spouse when they are added in the policy.
Benefits of buying health insurance early
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 young and healthy individual can experience, unexpected illnesses or injuries. 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.
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.
Based on the details given, the calculator would show the premium payable.
Save on taxes with your Health Insurance policy
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.
