Health Insurance

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.

Inbuilt covers include inpatient treatment, day-care treatment, pre and post hospitalisation expense, domiciliary hospitalisation, organ donor cover, ambulance cover, etc.

Optional covers include hospital daily cash, convalescence benefit, home nursing benefit, compassionate visit, air ambulance cover, maternity benefit, critical illness cover, personal accident cover, etc. as per the plan opted.

10% cumulative bonus of the base sum insured for each renewal up to 50/100% as per plan.

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 plan opted.

Zurich Kotak General Insurance 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.