Get optimum coverage with Kotak Health Premier Plan

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21 Jul 2023

Get comprehensive coverage at an affordable price with Kotak Health Premier Plan. Protect your family's health needs and get financial security for unexpected emergencies.

Today, having health insurance is nothing less than a basic necessity. The right health insurance coverage serves as an important safety net to ensure that you and your family have access to quality healthcare when they need it most. If you are looking for a health insurance policy that can help you seek maximum features and benefits, you can consider Kotak Health Premier. A rather popular health insurance policy, it offers comprehensive coverage that too at an affordable price. Read on to understand more about Kotak Health Premier and the essence of having health insurance, along with its various benefits.

Highlighting details of Kotak Health Premier Plan:

Kotak Health Premier Plan covers the actual medical expenses that are incurred on hospitalisation. The features of the plan are as follows

Entry age

Adults – 18 years to 65 years Children – 91 days to 25 years

Policy Type

Family Floater/ Individual

Relationships covered

Self, Spouse, natural or adopted dependent children, siblings, parents, and parents-in-law.

Term of the plan

1 year/ 2 years/ 3 years

Sum insured

Depends on the plan option selected

Second e-opinion

Can be availed a number of times

AYUSH treatment

Available

Add-on benefits

Available

Day Care Treatments

Covers 405 listed day care procedures

Restoration benefit

One a year 100% of the base sum insured

No claim bonus

10% increase in the sum insured up to 50% or 100% of the original depending on the plan variant selected

Benefits of health insurance plans:

The health insurance coverage that you get depends largely on the kind of plan that you have opted for. Most health plans, however, provide the following benefits:

1. In-hospital expenditure

The medical expenses that are incurred when an insured member gets hospitalized and has to undergo treatments come under inpatient hospitalisation expenses. These are typically covered up to the sum insured by the policy.

2. Ambulance services

Most health insurance plans cover the costs of road ambulances. The transportation of an insured to a hospital is covered up to a certain limit.

3. Long list of daycare procedures

Certain medical procedures do not require hospitalisation of 24 hours or more. These are daycare procedures and are covered by health plans.

4. Pre and post-hospitalisation charges are covered

Most health insurance plans go beyond hospitalisation and offer coverage for pre and post-hospitalisation up to a specified number of days.

5. Domiciliary treatments

In case the insured cannot be admitted to a hospital, then doctor-prescribed home treatment can be covered up to certain limits.

6. Free health check-ups

Free health check-ups not only help in the early diagnosis of diseases but also encourage a healthy lifestyle.

Conclusion
The elementary benefit of having health insurance is the financial security it provides. The rising medical inflation has made healthcare very expensive. Without the right health insurance coverage, medical expenses can quickly add up, and dig deep into your hard-earned savings. Health insurance helps to cover the cost of care for all kinds of unexpected medical emergencies. With Kotak Health Premier, you will be able to get the care you need without worrying about how you will pay for it.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.