Health Insurance Premium Calculator

A comprehensive health insurance to protect you & your family

Keep your loved onesprotected
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You can insure 2 adults with age 18-65 years and 3 children with age 91 days to less than 18 years

Renew your health insurance policy in just2 minutes
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Instant car policy with zero paper-work

Instant policy issuance with zero paper-work

Quick and hassle-free car claim process

Quick and hassle-free claim process

Zurich Kotak General Car Insurance Google Ratings

4/5

We take your safety seriously

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9450+

Cashless Hospital Network

Insurance Claim

Jet-speed settlement

Claims

Car Claim Settlement Ratio

97%

Claim Settlement Ratio

24/7-Around-The-Clock-Car-Assistance

24/7

Around The Clock Assistance

Note: The above data is till 1st April, 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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Supreme offerings

Discover awesome coverswith Health Premier

Discover awesome coverswith Health Premier

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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.

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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.

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Pre and post - hospitalization expenses

Pre and post-hospitalization expenses up to a specified number of days will be covered.

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Restoration benefit

There will be a 100% restoration of the Base Sum Insured and the Cumulative bonus.

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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,

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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.

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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.

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Ambulance cover

The policy will cover ambulance expenses for transportation to the hospital in case of an emergency.

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Organ donor cover

In-patient hospitalisation expenses of the donor in case of an organ transplant will be covered.

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Alternative treatment

The policy covers in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Sidha, and Homeopathy systems.

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Domiciliary hospitalisation

The policy covers medical expenses for treatment taken at home on the advice of the medical practitioner.

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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.

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Specified disease / procedure waiting period

Covers specified medical expenses for 2 years from policy start (e.g. Hernia, Gout etc.)

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Pre-existing disease waiting period

Pre-existing diseases not covered until plan's waiting period elapsed.

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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.image

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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.

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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.

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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.

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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 processimage

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:

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Click on the "Get a Quote" button on the Zurich Kotak Health Insurance Page.

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Fill in your family details such as number of adults, number of kids, mobile number, etc.

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Select the suitable plan

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Make the payment online

Zurich Kotak Health Insurance reviews & ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Health insurance

No regrets for choosing Kotak health insurance policy. Very happy to share this feedback.

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Health insurance

This was my first claim in last 4 years and 1 must say that everything went smoothly.

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Health insurance

Appreciate the assistance of the concerned claim teams. Also prompt action and consideration are greatly appreciated along with proper guidance.

How is health insurance premium calculated

Let's talk about how health insurance premiums are calculatedimage

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

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Open the premium calculator and furnish your details.

The details include the following:

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Your age

The premium depends on the age. Higher the age, higher would be the premium and vice-versa.

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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.

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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.

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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.

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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.

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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.

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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.

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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:image

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Pre-existing medical condition

You will be required to provide complete health records when applying for a health insurance policy. If you have any pre-existing medical condition such as diabetes or high blood pressure, the premium will be higher.

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Body Mass Index (BMI)

The BMI will determine the premium for an applicant. Individuals with a high BMI will have a higher premium rate because a higher BMI may lead to a number of medical conditions and illnesses.

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Family medical history

If the family members of the applicant have any critical medical conditions, the premium for health insurance will be high for the policyholder, since it puts them at a higher risk.

Advantages of renewing Health Insurance online

Here's why online health insurance renewal is a win for youimage

Easy and Convenient

Easy

Renewing online is easy. You simply have to visit the insurer’s website, enter your policy number and other verification details and check the policy status. Then you can choose the renewal option, pay the renewal premium and the policy would be renewed easily.

Instant

Instant

The online renewal process is instant. You don’t have to wait for hours or days. Just choose the policy details and pay the renewal premium online. The policy gets renewed without delay. This is particularly helpful if your health plan is near its expiry date as you don’t have to lapse the coverage with instant renewals.

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Facility of comparison

On renewing online, you can compare the other health insurance plans and see which offers a comprehensive scope of coverage at competitive rates of premium. You can compare and switch to another policy if it offers better coverage at attractive rates.

How to file a Health Insurance claim at Zurich Kotak

Filing a claim has never been this easy – we made sure of itimage

How to file a car insurance claim at Zurich Kotak
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Take a pre-authorisation in case of a planned hospitalisation by informing us 48 hours prior to admission.

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In case of unplanned hospitalisation, intimate us about your claim by calling 1800 266 4545 within 24 hours of admission.

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Visit any of our network hospitals & use our Policy Certificate to avail cashless facility.

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Intimate us by calling 1800 266 4545 immediately on hospitalisation.

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Settle bills directly in the hospital & collect all relevant documents. Submit all original documents to us within 30 days of discharge.

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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 processimage

Documents required for health insurance claim

There are certain documents which are required for health insurance claim reimbursement. These documents are as follows

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Health insurance claim form

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Pre-authorization claim form in the case of cashless claims

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Diagnostic test reports

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Original pharmacy bills

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Original doctor’s reports, prescriptions and hospital records

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Identity proof of the insured

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Police FIR in the case of accidental claims

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Discharge summary issued by the hospital after you are discharged

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Any other document required by the insurance company

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Bank details of the claimant in the case of reimbursement claims

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Zurich Kotak General Insurance cashless network hospitals

Our cashless network hospital provides easy and smooth health insurance claim experienceimage

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 Insuranceimage

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Room rent limit

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.

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Proportionate deduction

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.

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Compulsory deductible

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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Important blogs about Health Insurance

You deserve to know all about health insuranceimage

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.

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Always by your side. Keeping you safe