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Note: The above data is till 1st April, 2025
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.
The health insurance market in India offers a range of plans, each suited to different needs and life stages. Understanding these options can help you choose the right coverage.
This plan covers a single person with a fixed sum insured that is not shared with anyone else. It is well-suited for working professionals or individuals who want dedicated coverage based on their specific health needs.
Under this plan, multiple family members are covered within a single policy, sharing one sum insured. It is usually more cost-effective than buying separate policies for each member and works well for young families with a spouse and dependent children.
Designed for individuals aged 60 years and above, these plans focus on age-related health conditions. They may offer benefits such as shorter waiting periods for certain pre-existing conditions and lifelong renewability options.
This plan provides a lump sum payout if the insured is diagnosed with a listed serious illness such as cancer, heart attack, stroke, or kidney failure. The amount received can be used for treatment, recovery, or to manage loss of income during the illness.
These plans offer additional coverage beyond a chosen deductible. They are a practical way to increase your overall health cover at a lower cost compared to upgrading your base policy.
Typically offered by employers, this plan covers employees under a single policy. It is part of workplace benefits and often does not require individual medical checks at enrolment.
Health insurance policies come with a range of features that determine the quality and scope of coverage.
Enjoy a 50% increase in your base sum insured for every claim-free renewal, up to a maximum increase of 100%.
Your base sum insured gets restored unlimited times during the policy year. The restored amount can be used for the same or a different illness, including related complications, except under the “Any One Illness” condition.
Covers the cost of listed non-medical items incurred towards medically necessary hospitalization of the Insured.
Receive a fixed daily cash benefit for each completed day of hospitalisation in a shared accommodation.
Get one complimentary health check-up every year at network centres on a cashless basis, for specified tests.
Covers medical expenses for treatments taken at home for specific illnesses, as defined in the policy.
Continue paying the same premium as at the start of the policy until you make a claim.
Get access to a health portal offering useful services, along with discounts on doctor consultations, diagnostic tests, and pharmacy purchases within the network.
Consult general physicians online as many times as needed through the insurer’s network.
Earn discounts on renewal premiums by staying active and participating in wellness activities through the mobile app or health portal, available for insured individuals aged 18 years and above.
Purchasing health insurance online through the Zurich Kotak General Insurance website offers a seamless, transparent, and efficient experience.
You can compare and buy a policy anytime, from anywhere. The entire process is available 24/7. Once you complete the steps online, the policy is issued quickly, without the need for in-person meetings or long waiting times.
Online plans are usually more affordable. Since there are no agents or middlemen involved, the company can reduce extra costs and offer better premium rates directly to you.
All important details, including coverage, exclusions, and claim settlement ratios, are clearly shared on the website. This gives you the time and space to read and understand the policy fully, without any pressure.
The entire journey is digital, from filling out the form to submitting KYC documents. There is no need for physical paperwork. Your policy documents are safely stored and easily accessible in your email.
The online platform lets you compare different plans and add-ons with ease. This helps you choose a policy that matches your family’s healthcare needs as well as your budget.
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See what makes our health insurance policies stand out!
This is a fixed-benefit critical illness health insurance policy which gives you financial protection against certain listed critical illness. The features of the policy are as follows –
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 disablement.
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, 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-hospitalisation medical expenses and post-hospitalisation medical expenses, day-care treatment, organ donor cover, alternative treatment, 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 insured in the case of accidental hospitalisations.
10% additional sum insured as cumulative bonus every year on renewal.
Family floater cover is available for your whole family.
Choose from a long-term policy tenure going up to 3 years.
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 disablement.
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.
To compare Health 360 plans -Refer policy brochure
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This covers expenses incurred when you are admitted for more than 24 hours, including room rent, ICU charges, nursing fees, and doctor’s consultation.
It covers medical expenses related to the illness before admission (usually 30–60 days) and after discharge (usually 60–90 days), such as diagnostic tests and medications.
Many surgeries like cataracts or dialysis don’t require a 24-hour stay. These are covered under daycare treatment.
Expenses incurred for transporting the patient to the hospital in an emergency.
Most modern plans cover alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy.
Costs associated with harvesting an organ for the insured person’s transplant.
Coverage for treatment taken at home if the patient’s condition prevents hospital movement or if hospital beds are unavailable.
Expenses for advanced medical technologies like robotic surgeries and stem cell therapy.
Illnesses you had before buying the policy are usually not covered until a waiting period (typically 2 to 4 years) has passed.
Surgeries performed for beauty enhancement, such as plastic surgery, Botox, or dental aesthetics, are not covered unless required due to an accident.
Any hospitalisation or health issue arising from the use of alcohol, drugs, or tobacco is excluded.
Injuries resulting from suicide attempts or intentional self-harm are never covered.
Unless specifically opted for as an add-on or a special plan, standard health insurance does not cover maternity or childbirth expenses.
Birth defects or anomalies that are visible externally are typically excluded from coverage.
Injuries or illnesses caused by war, invasion, or nuclear explosions are part of the permanent exclusions.
Items like registration fees, admission charges, and certain consumables (gloves, masks) are often not reimbursed.
Sum insured evaluation: Before purchasing, evaluate the sum insured based on your family’s needs and local hospitalisation costs.
● Network hospital access: Check the network hospital list to ensure convenient access to cashless treatment.
● Waiting period review: Review waiting periods for pre-existing conditions.
● Claim settlement comparison: Compare claim settlement ratios across insurers.
● Policy exclusions check: Read the exclusions list carefully to avoid surprises during claims.
Health insurance policies are available to Indian residents aged 18 years and above as the primary policyholder.
● Dependent children can usually be covered from 91 days of age in most plans.
● Senior citizen plans generally allow entry up to 65 or 75 years, depending on the insurer.
● Some policies may require a pre-policy medical check-up for applicants above a certain age.
● Medical check-ups may also be needed for individuals with declared pre-existing conditions.
Health insurance plays a key role in protecting individuals and families from rising medical costs and unexpected financial burdens.
● Medical costs in India are rising at 10% to 15% annually, making healthcare increasingly expensive.
● A single hospitalisation for a major illness or surgery can cost several lakh rupees.
● Without health insurance, these expenses are paid from savings, investments, or through borrowing, which can disrupt long-term financial plans.
● It ensures access to quality healthcare without causing financial stress to you or your family.
You can lower your health insurance costs by making smart choices while still keeping strong coverage for your medical needs.
● Choose a higher deductible if you can manage some initial medical expenses on your own.
● Start coverage at a younger age, as premiums are generally lower for younger individuals.
● Maintain a healthy lifestyle to reduce health risks and qualify for better rates.
● Avoid unnecessary add-ons that you may not need in your policy.
● Opt for a higher voluntary co-payment if suitable for your financial situation.
● Compare multiple plans before buying to find the most cost-effective option.
The removal of GST on health insurance premiums has made policies more affordable and improved access to quality healthcare. Earlier, an 18% GST was added on top of the premium, increasing the overall cost. With the new 0% GST rule, policyholders now pay only the base premium amount, which directly reduces their financial burden and encourages wider insurance adoption.
Benefit | Explanation |
Lower premium cost | No 18% GST is added, so the total premium becomes cheaper for policyholders. |
Higher affordability | More people can now afford health insurance, especially middle-income families. |
Better coverage value | The same budget now allows for higher sum insured or better plans. |
Lower cost on add-ons | Riders like critical illness or maternity benefits are also cheaper without GST. |
Improved insurance adoption | Easier pricing encourages more individuals to take health coverage. |
Better financial planning | Families can plan healthcare expenses more efficiently without extra tax burden. |
Mediclaim is a basic health cover that mainly reimburses hospitalisation expenses up to the insured limit. It is limited in scope and usually covers only in-patient treatment costs during hospital stays.
Health insurance is a broader concept that includes mediclaim but goes much further. It offers a wide range of protection such as critical illness cover, personal accident cover, top-up plans, and fixed benefit policies. Many modern health insurance plans also include OPD cover, wellness benefits, restoration benefits, and even coverage for advanced treatments.
In simple terms, mediclaim is just one part of health insurance, while health insurance provides more comprehensive and flexible protection for different medical and financial needs.
The Insurance Regulatory and Development Authority of India (IRDAI) regulates and supervises the insurance industry in India. In health insurance, IRDAI sets guidelines for policy design, premium pricing, claim settlement timelines, waiting period norms, and consumer protection. IRDAI mandates that insurers settle or reject claims within 30 days of receiving the survey report, ensures portability of policies between insurers, and standardises the definition of pre-existing diseases. IRDAI’s role ensures that health insurance products are fair, transparent, and customer-focused.
Choosing the right health insurance policy requires a clear and step-by-step evaluation of your needs and the benefits offered by different plans.
● Assess your health needs: Consider the age, existing medical conditions, and future healthcare needs of all family members covered under the policy.
● Choose the right sum insured: Take into account rising medical costs, hospital charges in your city, and family size. For metro cities, a cover of at least ₹10 lakh is generally advisable.
● Compare different plans: Review coverage features, exclusions, waiting periods, claim settlement ratios, and network hospitals across insurers before deciding.
● Check lifelong renewability: Ensure the policy offers lifetime renewability without restrictions based on age.
● Select suitable add-ons: Opt for riders such as critical illness cover, maternity benefits, or room rent waiver based on your specific requirements.
● Read the policy document carefully: Go through the complete policy wording to understand all terms, conditions, inclusions, and exclusions before purchasing.
Premiums paid for health insurance qualify for tax deductions under Section 126 of the Income Tax Act,2025.
• Self and family (below 60 years): Deduction of up to ₹25,000 per year on health insurance premiums.
• Parents (below 60 years): Additional deduction of up to ₹25,000 per year for premiums paid for parents.
• Parents (60 years and above): Higher deduction of up to ₹50,000 per year for senior citizen parents.
• Preventive health check-ups: Expenses up to ₹5,000 are included within the overall Section 126 limit.
Note: These deductions are available under old tax regime.
A family with senior citizen parents can claim up to ₹1,00,000 in total health insurance premium deductions per year, significantly reducing the effective cost of coverage.
Health insurance add-ons and riders provide extra coverage options that help you customise your policy based on your medical needs and financial protection goals.
Critical Illness Cover
Lump sum payout on diagnosis of serious illnesses like cancer, kidney failure, etc.
Home nursing benefit
Covers cost of nursing care at home after hospital discharge.
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.
Personal Accident Cover
Lump sum benefit for accidental death or permanent total disablement.
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.
Experience seamless protection and security with us
Zurich Kotak General Insurance offers a range of online health 360 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.
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.
You might need assistance in buying a suitable health plan or at the time of claims. Zurich Kotak General Insurance 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.
Zurich Kotak General Insurance 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.
Zurich Kotak General Insurance keeps its customers at the forefront and seeks to solve their grievances at the earliest.
Get comprehensive health insurance from Zurich Kotak General Insurance. 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.
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.
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.
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.
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.
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
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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.
Several important factors determine the premium you pay for a health insurance policy. Knowing these helps you plan better and choose the right cover.
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.
Renewing your health insurance on time is important to keep your coverage active and continue enjoying policy benefits without any gaps.
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
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
Accessing your policy document online is simple and ensures you always have your insurance details handy whenever needed.
Log in to the Zurich Kotak website or mobile app using your registered credentials.
Go to the Policy section in your dashboard and select your policy.
Download the policy document directly, or check your registered email for the copy issued at the time of policy activation.
If needed, access and download your policy through IRDAI’s e‑insurance repository or via DigiLocker (if supported by your insurer).
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
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.
How long can a child stay on a parent’s health insurance policy?
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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 –
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 emergencies. 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 offered by Zurich Kotak General Insurance cover the following common healthcare expenses:
In-patient treatment costs
Day care treatments
Pre and post-hospitalization expenses
Ambulance cover
Organ donor cover
Domiciliary hospitalisation
AYUSH
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 countless 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 at a young age, 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 insured – higher the sum insured, 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.
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 Shield Secure to protect you and your family.
Children of any age can be included in the health insurance policy right from the day they are born, typically in retail health policies children are covered from 91 days and up to 25 years.
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 raise cashless anywhere request the request subject to feasibility in the non-network hospital 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
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.
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
**For the full list of optional covers and riders, please refer to the Policy Wordings /Product Brochure.
Product | UIN no. |
|---|---|
Health 360 | ZUKHLIP25038V012425 |
Health Documents/ Forms | Download Links |
|---|---|
Policy wording | |
Brochure | |
Prospectus | |
Claim Form | |
Customer Information Sheet | |
Health withdrawn list |
Written By : Zurich Kotak General Insurance - Last updated: 07th May, 2026
